Pacific Choice Mortgage

Current Rates

Last Updated: Thursday April 18th 2019 – 9:31 A(Rate Posting #1), Lock Period 30 Days

15 Year Fixed Conforming
Rate Points/Rebate % APR
3.375% 0.391% 3.477%
3.500% 0.011% 3.544%
3.625% -0.460% 3.600% 
3.750% -0.910% 3.658%

 

15 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
3.500% 0.321% 3.574%
3.625% -0.030% 3.647%
3.750% -0.280% 3.734%
3.875% -0.794% 3.784%

 

20 Year Fixed Conforming
Rate Points/Rebate % APR
3.750% 0.533% 3.859%
3.875% -0.040% 3.916% 
4.000% -0.861% 3.941% 
4.125% -1.371% 4.010%

 

30 Year Fixed Conforming
Rate Points/Rebate % APR
3.875% 0.231% 3.929% 
4.000% -0.322% 4.004% 
4.125% -0.727% 4.095% 
4.250% -1.325% 4.171%

 

30 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
4.000% 0.638% 4.075% 
4.125% 0.233% 4.166% 
4.250% -0.365% 4.242%
4.375% -0.861% 4.326%

Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $484,350. Conforming High Balance Loans – also known as Conforming Jumbo/Super Conforming, are based upon the permanent lift on loan limits which vary by county in High-Cost areas with loan amounts of $484,351 – $726,525.

Posted Rate Assumptions: Qualified Representative FICO Score 740+, No Cash Out Refinance with minimum 40% Equity, Single Family Residence Detached (1 unit), Owner Occupied, Full Income/Asset Documentation, No subordination of existing 2nd mortgages. Please contact us at 866-398-8290 to discuss all other loan options. Interest Rates displayed herein are based on a loan amount of $480,000 for Conforming and $725,000 for Conforming High-Balance. Rates/Points/Rebates and programs cannot be guaranteed on this website due to the fact that rates, fees, APR, and other costs are subject to individual borrower’s credit score, loan-to-value, loan purpose, loan amount, credit history/capacity/collateral and rapid fluctuations in market conditions. Rates are subject to change without notice.

FHA: FHA financing is available for both purchase and refinance. To determine eligibility and to discuss rate options, please contact us at 866-398-8290.

VA: VA financing is available for both purchase and refinance. To determine eligibility and to discuss rate options, please contact us at 866-398-8290.