California Mortgage Refinance Rates:

Last Updated:  Wednesday March 27th 2024 – 10:05 AM (Rate Posting #2) Lock Period 21 Days
30 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
5.374% +3.390% 5.709%
5.499% +2.659% 5.767%
5.624% +1.989% 5.831%
5.999% +0.408% 6.060%
20 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
5.250% +3.021% 5.653%
5.374% +2.429% 5.704%
5.499% +1.899% 5.764%
5.874% +0.337% 5.946%
15 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
4.499% +3.057% 5.004%
4.624% +2.739% 5.081%
4.749% +2.226% 5.127%
5.249% +0.523% 5.366%
30 Year Fixed Conforming High-Balance Refinance 
Note Rate % +Points/-Rebate % A.P.R.
5.499% +3.219% 5.815%
5.624% +2.549% 5.878%
5.749% +2.363% 5.987%
6.124% +0.458% 6.184%
15 Year Fixed Conforming High-Balance Refinance 
Note Rate % +Points/-Rebate % A.P.R.
4.749% +3.186% 5.269%
4.874% +2.695% 5.318%
4.999% +2.307% 5.383%
5.499% +0.642% 5.626%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $766,550. 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 $766,551 – $1,149,825.
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, Property located in Orange County, CA. Please contact us at 866-398-8290 to discuss all other loan options and scenarios. Interest Rates displayed herein are based on a loan amount of $750,000 for Conforming Loans and $1,000,000 for Conforming High-Balance Loans. 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.