California Mortgage Refinance Rates:

Last Updated:  Friday December 13th 2024 – 11:41 AM (Rate Posting #2) Lock Period 21 Days
15 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
5.250% 1.141% 5.457%
5.375% 0.649% 5.508%
5.500% 0.291% 5.578%
5.607% 0.000% 5.641%
20 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
6.000% 0.746% 6.121%
6.125% 0.462% 6.211%
6.250% 0.320% 6.317%
6.337% 0.000% 6.365%
30 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
5.999% 1.313% 6.141%
6.125% 0.849% 6.225%
6.375% 0.224% 6.417%
6.432% 0.000% 6.453%
15 Year Fixed Conforming High-Balance Refinance 
Note Rate % Points % A.P.R. %
5.625% 0.910% 5.792%
5.750% 0.788% 5.899%
5.875% 0.319% 5.952%
5.999% 0.000% 6.026%
30 Year Fixed Conforming High-Balance Refinance 
Note Rate % Points % A.P.R. %
6.125% 1.409% 6.273%
6.375% 0.784% 6.466%
6.500% 0.291% 6.545%
6.604% 0.000% 6.621%
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.