California Mortgage Refinance Rates:

Last Updated: Tuesday May 24th 2022 – 9:11 AM (Rate Posting #1) Lock Period 29 Days
30 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
4.374% +1.090% 4.489%
4.499% +0.596% 4.572%
4.624% +0.163% 4.660%
4.735% +0.000% 4.757%
20 Year Fixed Conforming 
Note Rate % +Points/-Rebate % A.P.R.
4.124% +1.379% 4.315%
4.249% +0.802% 4.373%
4.374% +0.286% 4.437%
4.452% +0.000% 4.482%
15 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
3.624% +1.222% 3.842%
3.749% +0.726% 3.894%
3.874% +0.287% 3.954%
3.968% +0.000% 4.006%
30 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
4.624% +0.893% 4.716%
4.749% +0.715% 4.826%
4.874% +0.208% 4.907%
4.963% +0.000% 4.978%
15 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
3.749% +1.456% 3.990%
3.874% +1.017% 4.050%
3.999% +0.639% 4.119%
4.199% +0.000% 4.224%
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.