California Mortgage Refinance Rates:

Last Updated:  Friday April 26th 2024 – 9:11 AM (Rate Posting #1) Lock Period 29 Days
30 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
6.125% +3.075% 6.443%
6.250% +2.700% 6.533%
6.375% +2.075% 6.598%
6.875% +0.200% 6.916%
20 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
5.750% +3.250% 6.188%
5.875% +2.625% 6.234%
5.990% +2.125% 6.286%
6.490% +0.250% 6.550%
15 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
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30 Year Fixed Conforming High-Balance Refinance 
Note Rate % +Points/-Rebate % A.P.R.
6.375% +3.000% 6.685%
6.490% +2.375% 6.739%
6.625% +1.875% 6.826%
6.990% +0.625% 7.069%
15 Year Fixed Conforming High-Balance Refinance 
Note Rate % +Points/-Rebate % A.P.R.
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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 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, only one property owned, No Non-Occupant Co-Borrower(s), No Self Employment income. 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.