California Mortgage Refinance Rates:

Last Updated:  Tuesday June 3rd 2025 – 10:32 AM (Rate Posting #1) Lock Period 21 Days
15 Year Fixed Conforming Refinance Rates
Note Rate % Points % A.P.R. %
5.125% 1.375% 5.367%
5.250% 0.875% 5.417%
5.375% 0.500% 5.485%
5.500% 0.250% 5.572%
20 Year Fixed Conforming Refinance Rates
Note Rate % Points % A.P.R. %
5.500% 1.933% 5.761%
5.625% 1.305% 5.811%
5.750% 0.704% 5.863%
5.875% 0.131% 5.918%
30 Year Fixed Conforming Refinance Rates
Note Rate % Points % A.P.R. %
6.000% 1.625% 6.172%
6.125% 1.125% 6.251%
6.250% 0.750% 6.342%
6.375% 0.125% 6.408%
15 Year Fixed Conforming High-Balance Refinance  Rates
Note Rate % Points % A.P.R. %
5.625% 1.375% 5.864%
5.750% 0.875% 5.913%
5.875% 0.557% 5.989%
6.000% 0.233% 6.063%
30 Year Fixed Conforming High-Balance Refinance Rates
Note Rate % Points % A.P.R. %
6.250% 1.750% 6.431%
6.375% 1.125% 6.499%
6.500% 0.625% 6.577%
6.625% 0.125% 6.655%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $806,500. 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 $806,501 – $1,209,750.
Posted Rate Assumptions: Qualified Representative FICO Score 780+, 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, Property located in Orange County, CA. Please contact us at 949-646-1091 to discuss all other loan options and scenarios. Interest Rates displayed herein are based on a loan amount of $800,000 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 and VA: FHA and VA financing are available for both purchases and refinances. To determine eligibility and to discuss rate options, please contact us at 949-646-1091.