California Mortgage Refinance Rates:

Last Updated:  Thursday December 26th 2024 – 8:58 AM (Rate Posting #1) Lock Period 21 Days
15 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
5.500% 1.096% 5.702%
5.625% 0.750% 5.774%
5.750% 0.335% 5.837%
5.835% 0.000% 5.869%
20 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
6.125% 1.438% 6.331%
6.250% 1.171% 6.424%
6.375% 0.689% 6.489%
6.500% 0.196% 6.553%
30 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
6.250% 1.630% 6.424%
6.375% 0.980% 6.489%
6.500% 0.372% 6.557%
6.625% 0.049% 6.651%
15 Year Fixed Conforming High-Balance Refinance 
Note Rate % Points % A.P.R. %
5.750% 1.295% 5.978%
5.875% 0.804% 6.026%
6.000% 0.470% 6.101%
6.125% 0.179% 6.181%
30 Year Fixed Conforming High-Balance Refinance 
Note Rate % Points % A.P.R. %
6.500% 0.932% 6.606%
6.625% 0.609% 6.701%
6.750% 0.534% 6.819%
6.872% 0.000% 6.889%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $806,500. 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 $806,551 – $1,209,750.
Posted Rate Assumptions: Qualified Representative FICO Score 780+, 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 949-646-1091 to discuss all other loan options and scenarios. Interest Rates displayed herein are based on a loan amount of $800,000 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 and VA: FHA and VA financing are available for both purchases and refinances. To determine eligibility and to discuss rate options, please contact us at 949-646-1091.