California Mortgage Refinance Rates:

Last Updated:  Monday May 12th 2025 – 10:27 AM (Rate Posting #1) Lock Period 21 Days
15 Year Fixed Conforming Refinance Rates
Note Rate % Points % A.P.R. %
5.125% 1.125% 5.332%
5.250% 0.875% 5.417%
5.375% 0.500% 5.485%
5.500% 0.219% 5.567%
20 Year Fixed Conforming Refinance Rates
Note Rate % Points % A.P.R. %
5.500% 1.750% 5.739%
5.625% 1.125% 5.789%
5.750% 0.625% 5.854%
5.875% 0.099% 5.914%
30 Year Fixed Conforming Refinance Rates
Note Rate % Points % A.P.R. %
6.000% 1.125% 6.125%
6.125% 0.625% 6.205%
6.250% 0.500% 6.318%
6.375% 0.000% 6.396%
15 Year Fixed Conforming High-Balance Refinance  Rates
Note Rate % Points % A.P.R. %
5.875% 0.795% 6.026%
6.000% 0.488% 6.104%
6.125% 0.219% 6.187%
6.250% 0.000% 6.278%
30 Year Fixed Conforming High-Balance Refinance Rates
Note Rate % Points % A.P.R. %
6.125% 1.750% 6.305%
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.