Jumbo Mortgage Rates in California

There are many homes in the golden state that fit into the jumbo loan category due to their prices. However, since the prices are high, many counties in California have expanded conforming-jumbo loan rates which allows homeowners to refinance up to 90% of their home's value to $729,750 (depending on the county) or purchase with just 10-percent down.

Homeowners in coastal regions like Santa Barbara, Monterey, Atherton and high price inland areas of Santa Clarita or Sacramento can enjoy attractive jumbo loan pricing. Loan amount and terms of 5, 7 & 10 Year Jumbo ARMs are available and may vary from lender to lender.

Check Jumbo Interest Rates in » Los Angeles | Orange County | San Diego | San Francisco

In areas considered "high cost", like California, conforming loan limits range from $417,001 to $729,750. High-cost is defined by the median sales price of a region. Here are the expanded conforming loan limits for high-cost counties in California:

Current Jumbo Rates Current

° Rates shown above include a lock-in period of 30 days.
° Interest rates are subject to change, without notice, until locked.
° Interest rates are updated weekly.
° All programs reflect owner-occupied properties. And illustrate 20% or more equity for refinancing.
° Jumbo loan interest rate and APR’s are based on loan amounts from $417,001 to $650,000. Slightly higher rates for loans up to $3 Million
° “Cash-out” refinances may have a different interest rate than other programs, please call to verify.
° “No Doc” and No Income loans may have a different interest rate than other programs and 30% or more minimum equity or down payment, please contact us to verify.
° Credit Scores Borrowers should have a minimum credit score of 680 for loans under $1.5 Mil and 720 if loan is > than $1.5 Million.
° ARM (adjustable rate mortgage) loan APR’s reflect APR for fixed period only.
° ARM (adjustable rate mortgage) interest rates can increase after specified fixed period, please review all applicable disclosures.

* Payment Choice Program Disclaimers: (Discontinued Product)
° Payment Choice Program provides several payment options each month.
° Choosing the minimum payment one month, may not always cover the total interest due.No Longer available
° The unpaid portion, called "deferred interest," is added to your loan balance; and itemized on monthly statements.
° We highly recommend that you reimburse any "deferred interest" as quickly as possible.
° Ask about the equity builder program that limits “deferred interest”
° Rate shown based on loan-to-value of 80% or less; and must credit score qualify.

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