Is Your Current Rate too High?
Run the numbers and see for yourself.
Mortgage Interest Rates
30 Year Fixed Rate
30 Year Fixed Rate
15 Year Fixed Rate
15 Year Fixed Rate
30 Year Fixed HB
30 Year Fixed HB
30 Yr Fixed Jumbo
30 Yr Fixed Jumbo
Broker | Lender Fees | Escrow Charges for Refinances
Conforming Fees
Broker Fees:
Credit Report
Lender Fees:
Underwriting
Appraisal Report
Tax Ser / Cert
Flood Ser / Det
MERS Registration
Escrow Charges:
Total Escrow
Total Cost:
$94.00
$1,095
$815
$106
$8.90
$24.95
$1,386
$3,529.85
High Balance Fees
Broker Fees:
Credit Report
Lender Fees:
Underwriting
Appraisal Report
Tax Ser / Cert
Flood Ser / Det
MERS Registration
Escrow Charges:
Total Escrow
Total Cost:
$94.00
$1,095
$815
$126
$8.90
$24.95
$1,611
$3,774.85
Jumbo Fees
Broker Fees:
Credit Report
Lender Fees:
Underwriting
Appraisal Report
Tax Ser / Cert
Flood Ser / Det
MERS Registration
Escrow Charges:
Total Escrow
Total Cost:
$94.00
$1,095
$815
$166
$8.90
$24.95
$1,674
$3,877.85
- We do not charge any application or processing fees. The credit report is a third party fee.
- On occasion, when we change lenders, we will change lender fees. You will see a different fee structure per program if each program comes from a different lender.
- Title Companies that charge for escrow services are area and loan amount specific. As a result, we do our best to estimate these charges for refinance loans. However, depending on your situation, the cost could be higher.
- Rates that are shown can be used for Purchases and Refinances except for “No Cost” Refinances rates (call us for “No Cost” loan pricing). These used fees above are specifically for “rate and term” Refinances. Purchases generally have higher cost (call us for cost estimates)
- As a Broker, licensed by the State of California, we try out best to estimate fees. We are not liable for changes in lender pricing, cost and escrow charges due to changes in programs, Lenders and Title companies.
Loan Information
2025 Loan Limits for Single Family Residences and Condos:
Conforming limits – Loans up to $806,500.
High Balance limits – Loans between $806,501 to $1,209,750. (These loan are only used in what Fannie Mae deems as high cost areas)
Jumbo limits – Loans between $806,501 to $3,000,000.
Interest Rates can change during the day and our website may not reflect those changes.
When using the “Enter Your Loan Amount” Field, monthly payments will change to your loan amount entered for all programs, Conforming, High Balance and Jumbo. However, your loan amount can only be used for the programs that are available. For example, a loan amount higher than $806,500 is not available for the conforming program.
APR will reflect the change as well, but will not be accurate because it is based on our Assumptions. Click on Assumptions to find out.
Call us for "NO COST" refinance rates.
Mortgage Savings Calculator
- Adding extra payments, whether monthly, yearly or both, can alter your loan’s scheduled payoff timeline.
- How much interest can you save?
- How many years can you shave off your loan term?
- What’s the total amount you’ve contributed in extra payments over time?
- Take a look!
| Date | Payment | Principal | Interest | Extra Payment | Remaining Balance |
|---|
Real Estate Market Trends
Need to know how the Real Estate Market is trending in your area. Market Action Index, Median List Price, Days on the Market, and Market Profile are provided by Altos Research and updated weekly.
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Most Asked Questions
Yes, you can! Most refinance loans are completed without any costs. However, there are some cases where this may not be possible. The best approach is to give us a call so we can explore "no-cost" options tailored to your situation.
Yes, there is an upfront fee for the credit report and appraisal report. However, if you're opting for a "no cost" option, these fees will be credited back to you at the close of escrow. We do not charge any application fees.
We can add you to our list and contact you when the interest rates align with your preferred range.
Our standard time is 30 days, but it depends on the workload. It has been much faster so it's best to call and inquire about it.
There are three ways to do this. You can apply online by clicking on the start here button below, you can call and give us your email so we can send you a link, or we can take your information over the phone and guide you from there.
Assumptions: These are purchase or refinance rates with closing cost.
Call us for “no cost” options.
30 Year Fixed | Conforming | Value: $715,000 | Loan: $500,000 | LTV: 70% | FICO: 780 | SFR | with Lender and Escrow fees
15 Year Fixed | Conforming | Value: $715,000 | Loan: $500,000 | LTV: 70% | FICO: 780 | SFR | with Lender and Escrow fees
30 Year Fixed | High Balance | Value: $1,286,000 | Loan: $900,000 | LTV: 70% | FICO: 780 | SFR | with Lender and Escrow fees
30 Year Fixed | Jumbo | Value: $1,860,000 |Loan: $1,300,000| LTV: 70% | FICO: 780 | SFR | with Lender and Escrow fees