Pacific Choice Mortgage

Current Rates

Last Updated: Wednesday August 15th 2018 – 8:56 AM (Rate Posting #1), Lock Period 30 Days

15 Year Fixed Conforming
Rate Points/Rebate % APR
3.875% 0.005% 3.944%
3.990% -0.328% 4.009%
4.000% -0.590% 3.981% 
4.125% -1.077% 4.034%

 

15 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
4.000% 0.150% 4.073%
4.125% -0.147% 4.154%
4.250% -0.184% 4.274%
4.375% -0.272% 4.381%

 

20 Year Fixed Conforming
Rate Points/Rebate % APR
4.125% 0.414% 4.243%
4.250% -0.373% 4.272% 
4.375% -0.842% 4.342% 
4.500% -1.474% 4.394%

 

30 Year Fixed Conforming
Rate Points/Rebate % APR
4.250% 0.300% 4.330% 
4.375% -0.201% 4.410% 
4.500% -0.892% 4.473% 
4.625% -1.492% 4.547%

 

30 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
4.375% 0.449% 4.457% 
4.500% -0.232% 4.530% 
4.625% -0.742% 4.603%
4.750% -1.394% 4.668%

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.