Pacific Choice Mortgage

Current Rates

Last Updated: Friday October 19th 2018 – 10:37 AM (Rate Posting #2), Lock Period 30 Days

15 Year Fixed Conforming
Rate Points/Rebate % APR
4.000% 0.460% 4.090%
4.125% -0.020% 4.139%
4.250% -0.564% 4.226% 
4.375% -0.823% 4.290%

 

15 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
4.375% 0.327% 4.466%
4.500% -0.049% 4.547%
4.625% -0.348% 4.635%
4.750% -0.708% 4.709%

 

20 Year Fixed Conforming
Rate Points/Rebate % APR
4.375% 0.610% 4.475%
4.500% -0.020% 4.525% 
4.625% -0.518% 4.591% 
4.750% -1.040% 4.664%

 

30 Year Fixed Conforming
Rate Points/Rebate % APR
4.500% 0.785% 4.576% 
4.625% 0.201% 4.647% 
4.750% -0.413% 4.721% 
4.875% -1.028% 4.801%

 

30 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
4.625% 0.961% 4.700% 
4.750% 0.277% 4.773% 
4.875% -0.228% 4.871%
4.990% -0.365% 4.948%

Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $453,100. 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 $453,101 – $679,650.

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 $450,000 for Conforming and $675,000 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.

HARP Refinance: Home Affordable Refinance Programs are available for both Fannie Mae and Freddie Mac mortgages. To determine eligibility and to discuss rate options, please contact us at 866-398-8290.

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.