Rate board
Today's rates,
before you have to ask.
Priced Friday morning against more than 40 wholesale lenders for a 760 credit score, 20% down and a primary home. Your own quote depends on your file, and we send it in writing.
6.250%
| Loan | Note | Rate | APR | Points |
|---|---|---|---|---|
| 30-year fixed | 45-day lock | 6.250% | 6.382% | 0.500 |
| 15-year fixed | 45-day lock | 5.625% | 5.811% | 0.500 |
| 5/6 ARM | Fixed for 5 years | 5.875% | 6.412% | 0.250 |
| FHA 30-year | APR includes MIP | 5.990% | 6.842% | 0.375 |
| VA 30-year | APR includes funding fee | 5.750% | 5.968% | 0.250 |
| Jumbo 30-year | Above the county loan limit | 6.500% | 6.574% | 0.250 |
Sample rates for illustration, updated weekly, not a commitment to lend. APR adds estimated lender charges and prepaid interest on top of the note rate. Pricing shifts daily, so a written Loan Estimate is the only quote that binds us.
How we price this board.
Every Friday morning we pull wholesale sheets from 40+ lenders for one borrower: 760 credit, 20% down, $750,000 single-family primary home in San Diego, 45-day lock, impounds waived. The board shows the median of the cheapest quartile — what a strong file could actually lock that day.
Why your quote will differ.
Credit score, down payment, loan size, property type, occupancy and lock length all move pricing — sometimes by eighths, sometimes by half a point. The only number that matters is the one on your Loan Estimate, which we put in writing within three business days of your application.