California Mortgage Refinance Rates:

Last Updated:  Friday July 26th 2024 – 9:24 AM (Rate Posting #1) Lock Period 29 Days
30 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
5.625% 2.710% 5.891%
5.750% 2.431% 5.993%
5.875% 1.712% 6.053%
6.125% 0.500% 6.193%
20 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
5.375% 2.920% 5.753%
5.500% 2.403% 5.818%
5.625% 1.961% 5.891%
5.875% 0.375% 5.950%
15 Year Fixed Conforming Refinance 
Note Rate % Points % A.P.R. %
4.625% 3.023% 5.108%
4.750% 2.509% 5.159%
4.875% 2.030% 5.214%
5.375% 0.528% 5.491%
30 Year Fixed Conforming High-Balance Refinance 
Note Rate % Points % A.P.R. %
5.625% 3.270% 5.936%
5.750% 2.991% 6.038%
5.875% 2.272% 6.101%
6.375% 0.625% 6.463%
15 Year Fixed Conforming High-Balance Refinance 
Note Rate % Points % A.P.R. %
4.875% 2.990% 5.349%
4.999% 2.611% 5.418%
5.125% 2.405% 5.514%
5.875% 0.494% 5.978%
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. 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 $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 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.