California Mortgage Refinance Rates:

Last Updated:  Friday May 24th 2024 – 9:11 AM (Rate Posting #1) Lock Period 29 Days
30 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
6.000% +2.450% 6.254%
6.125% +1.825% 6.322%
6.250% +1.575% 6.422%
6.490% +0.575% 6.565%
20 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
5.625% +2.750% 5.997%
5.750% +2.125% 6.043%
5.875% +1.625% 6.106%
6.125% +0.500% 6.215%
15 Year Fixed Conforming Refinance 
Note Rate % +Points/-Rebate % A.P.R.
30 Year Fixed Conforming High-Balance Refinance 
Note Rate % +Points/-Rebate % A.P.R.
6.125% +2.750% 6.405%
6.250% +2.500% 6.508%
6.375% +1.875% 6.573%
6.875% +0.375% 6.928%
15 Year Fixed Conforming High-Balance Refinance 
Note Rate % +Points/-Rebate % A.P.R.
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.