California Mortgage Refinance Rates:

Last Updated:  Thursday February 13th 2025 – 12:18 PM (Rate Posting #2) Lock Period 21 Days
15 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
5.375% 1.183% 5.611%
5.500% 0.799% 5.672%
5.625% 0.427% 5.737%
5.725% 0.000% 5.779%
20 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
5.875% 1.855% 6.148%
6.000% 1.314% 6.213%
6.125% 0.625% 6.231%
6.250% 0.125% 6.294%
30 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
5.999% 1.772% 6.203%
6.125% 1.263% 6.283%
6.250% 1.216% 6.401%
6.375% 0.500% 6.443%
15 Year Fixed Conforming High-Balance Refinance 
Note Rate % Points % A.P.R. %
5.625% 1.387% 5.878%
5.750% 0.852% 5.922%
5.875% 0.351% 5.971%
5.999% 0.009% 6.041%
30 Year Fixed Conforming High-Balance Refinance 
Note Rate % Points % A.P.R. %
6.250% 1.776% 6.451%
6.375% 1.099% 6.512%
6.500% 0.470% 6.578%
6.625% 0.060% 6.664%
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.