California Mortgage Refinance Rates:

Last Updated:  Wednesday December 6th 2023 – 9:11 AM (Rate Posting #1) Lock Period 22 Days
30 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
5.624% +3.059% 5.932%
5.749% +2.656% 6.021%
5.874% +1.987% 6.083%
6.124% +0.764% 6.218%
20 Year Fixed Conforming 
Note Rate % +Points/-Rebate % A.P.R.
5.499% +3.222% 5.931%
5.624% +2.597% 5.978%
5.749% +1.919% 6.018%
6.124% +0.483% 6.214%
15 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
4.749% +3.071% 5.259%
4.874% +2.592% 5.310%
4.999% +2.158% 5.368%
5.749% +0.502% 5.864%
30 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
5.749% +3.216% 6.069%
5.874% +2.547% 6.131%
5.999% +1.873% 6.193%
6.374% +0.769% 6.465%
15 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
4.999% +3.118% 5.511%
5.124% +3.117% 5.638%
5.249% +2.740% 5.704%
5.999% +0.671% 6.132%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $766,550; 2024 Limits are now available as of 11/28/2023 . 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; 2024 Limits are now available as of 11/28/2023..
Posted Rate Assumptions: Qualified Representative FICO Score 740+, 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. Please contact us at 866-398-8290 to discuss all other loan options. 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.