California Mortgage Refinance Rates:

Last Updated: Wednesday February 1st 2023 – 12:54 PM (Rate Posting #2) Lock Period 21 Days
30 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
4.875% +2.017% 5.075%
4.999% +1.329% 5.139%
5.124% +0.791% 5.216%
5.356% +0.000% 5.378%
20 Year Fixed Conforming 
Note Rate % +Points/-Rebate % A.P.R.
4.875% +1.319% 5.063%
4.999% +0.766% 5.120%
5.124% +0.338% 5.194%
5.220% +0.000% 5.249%
15 Year Fixed Conforming
Note Rate % +Points/-Rebate % A.P.R.
3.874% +2.799% 4.331%
3.999% +2.278% 4.378%
4.124% +1.809% 4.432%
4.670% +0.000% 4.706%
30 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
4.875% +2.625% 5.124%
4.999% +1.937% 5.188%
5.124% +1.399% 5.265%
5.468% +0.000% 5.484%
15 Year Fixed Conforming High-Balance
Note Rate % +Points/-Rebate % A.P.R.
3.999% +3.286% 4.523%
4.124% +2.817% 4.577%
4.249% +2.317% 4.626%
5.169% +0.000% 5.196%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $726,200; available now for 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 $726,201 – $1,089,300; available now for 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 $725,000 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.