California Mortgage Refinance Rates:

Last Updated: Friday September 30th 2022 – 9:11 AM (Rate Posting #1) Lock Period 21 Days
30 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
5.499% +2.821% 5.783%
5.624% +2.411% 5.871%
5.749% +2.091% 5.967%
6.298% +0.000% 6.321%
20 Year Fixed Conforming 
Note Rate % +Points/-Rebate % A.P.R.
5.374% +2.670% 5.734%
5.499% +2.153% 5.795%
5.624% +1.796% 5.877%
6.220% +0.000% 6.249%
15 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
4.624% +2.907% 5.107%
4.749% +2.286% 5.136%
4.874% +1.806% 5.188%
5.539% +0.000% 5.576%
30 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
5.624% +2.971% 5.918%
5.749% +2.651% 6.014%
5.874% +1.981% 6.076%
6.428% +0.000% 6.444%
15 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
4.874% +2.726% 5.321%
4.999% +2.384% 5.394%
5.124% +2.060% 5.469%
5.810% +0.000% 5.836%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $715,000; available now in anticipation of the new 2023 Limits. 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 $715,001 – $1,073,000; available now in anticipation of the new 2023 Limits.
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 $715,000 for Conforming Loans and $1,00,000 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.