California Mortgage Refinance Rates:

Last Updated: Monday, December 6th 2021 – 10:49 AM (Rate Posting #2) Lock Period 24 Days
30 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
2.499% +1.538% 2.659%
2.624% +0.687% 2.718%
2.749% -0.137% 2.777%
2.874% -0.801% 2.851%
20 Year Fixed Conforming 
Note Rate % +Points/-Rebate % A.P.R.
2.249% +1.251% 2.450%
2.374% +0.532% 2.497%
2.499% -0.013% 2.559%
2.624% -0.663% 2.592%
15 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
1.750% +1.614% 2.030%
1.874% +0.949% 2.058%
1.999% +0.275% 2.087%
2.124% -0.372% 2.120%
30 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
2.624% +1.687% 2.789%
2.749% +0.863% 2.848%
2.874% +0.099% 2.914%
2.999% -0.490% 2.983%
15 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
1.750% +1.834% 2.048%
1.874% +1.169% 2.077%
1.999% +0.495% 2.106%
2.124% -0.152% 2.139%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $647,200. 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 $647,201 – $970,800.
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 $647,000 for Conforming Loans and $970,000 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.