Pacific Choice Mortgage

Current Rates

Last Updated: Monday October 21st 2019 – 11:52 A(Rate Posting #3), Lock Period 30 Days

15 Year Fixed Conforming
Rate Points/Rebate % APR
3.000% 0.451% 3.115%
3.125% -0.082% 3.163%
3.250% -0.329% 3.252% 
3.375% -0.651% 3.331%

 

15 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
3.125% 0.368% 3.214%
3.250% 0.071% 3.296%
3.375% -0.201% 3.382%
3.500% -0.534% 3.458%

 

20 Year Fixed Conforming
Rate Points/Rebate % APR
3.500% 0.522% 3.582%
3.625% -0.127% 3.634% 
3.750% -0.964% 3.664% 
3.875% -1.333% 3.747%

 

30 Year Fixed Conforming
Rate Points/Rebate % APR
3.500% 0.735% 3.573% 
3.625% 0.169% 3.655% 
3.750% -0.685% 3.711% 
3.875% -1.139% 3.799%

 

30 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
3.625% 0.929% 3.715% 
3.750% -0.205% 3.747% 
3.875% -0.709% 3.831%
3.999% -0.924% 3.937%

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 $450,000 for Conforming Loans and $500,000 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.