Rates, terms, and fees as of 04/015/22 and subject to change without notice. Results shown are estimates only; the estimate isn’t an application for credit and results don’t guarantee loan approval or denial.

Jumbo Loans – 5/6 ARM
Advertised APR assumes 5 year; fixed rate; 1st lien; purchase or refi; mortgage on a single family unit; primary residence in California; loan amount of $1,200,000; 25% down payment/equity; credit score of 780; DTI of 43% with 1.25 point cost. The repayment terms are 360 monthly principal and interest payments of $5,473. Payments do not include amounts for taxes and insurance, total payment will be higher. Payments after the fixed period of loan may vary based on prevailing index. Not all applicants will qualify for financing. The actual fees, costs, and monthly payment on a specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Jumbo Loans – 30 year fixed
Advertised APR assumes 30 year; fixed rate; 1st lien; purchase or refi; mortgage on a single family unit; primary residence in California; loan amount of $1,200,000; 25% down payment/equity; credit score of 780; DTI of 43% with 1.25 point cost. The repayment terms are 360 monthly principal and interest payments of $5,903. Payments do not include amounts for taxes and insurance, total payment will be higher. Not all applicants will qualify for financing. The actual fees, costs, and monthly payment on a specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Conventional Loans – 7/6 ARM
Advertised APR assumes 7 year; fixed rate; 1st lien; purchase or refi; mortgage on a single family unit; primary residence in California; loan amount of $970,800; 20% down payment/equity; credit score of 780; DTI of 45% with 1.5 point cost. The repayment terms are 360 monthly principal and interest payments of $4,496. Payments do not include amounts for taxes and insurance, total payment will be higher. Payments after the fixed period of loan may vary based on prevailing index. Not all applicants will qualify for financing. The actual fees, costs, and monthly payment on a specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Conventional Loans – 30 year fixed
Advertised APR assumes 30 year; fixed rate; 1st lien; purchase or refi; mortgage on a single family unit; primary residence in California; loan amount of $970,800; 20% down payment/equity; credit score of 780; DTI of 45% with 1.5 point cost. The repayment terms are 360 monthly principal and interest payments of $4,847. Payments do not include amounts for taxes and insurance, total payment will be higher. Not all applicants will qualify for financing. The actual fees, costs, and monthly payment on a specific loan transaction may vary, and may include city, county, or other additional fees and costs.

FHA Loans – 30 year fixed
Advertised APR assumes 30 year; fixed rate; 1st lien; purchase or refi; mortgage on a single family unit; primary residence in California; loan amount of $500,000; 3.5% down payment/equity; credit score of 680; DTI of 45% with 2.5 points cost. The repayment terms are 360 monthly principal and interest payments of $2,496. Payments do not include amounts for mortgage insurance, taxes and insurance, total payment will be higher. Not all applicants will qualify for financing. The actual fees, costs, and monthly payment on a specific loan transaction may vary, and may include city, county, or other additional fees and costs.

VA Loans – 30 year fixed
Advertised APR assumes 30 year; fixed rate; 1st lien; purchase or refi; mortgage on a single family unit; primary residence in California; loan amount of $500,000; 0% down payment/equity; credit score of 680; DTI of 45% with 2.5 points cost. The repayment terms are 360 monthly principal and interest payments of $2,496. Payments do not include amounts for taxes and insurance, total payment will be higher. Not all applicants will qualify for financing. The actual fees, costs, and monthly payment on a specific loan transaction may vary, and may include city, county, or other additional fees and costs.