Date: 10/21/2025
The following are today's purchase rate and refinance rate for California:
| Purchase $650K FICO 780 Zip code 93311 |
| 7/6 ARM | 30 year fixed | 15 year fixed | LTV | Points & Origination fee |
| Owner Occupied | 5.66 | 5.95 | 5.25 | 80% | 0 |
| Investment Property | 6.18 | 6.45 | | 75% | 0 |
| DSCR | | 6.375 | | 75% | 0 |
| Refinance $650K FICO 780 Zip code 93311 |
| 7/6 ARM | 30 year fixed | 15 year fixed | LTV | Points & Origination fee |
| Owner Occupied | 5.17 | 5.53 | 4.89 | 75% | 0 |
| Investment Property | 5.9 | 6.08 | | 75% | 0 |
| Purchase $2M FICO 780 Zip code 94065 |
| 7/6 ARM | 30 year fixed | Bank Statement | LTV | Points & Origination fee |
| Owner Occupied | 5.625 | 5.875 | 6.375 | 75% | 0 |
| Refinance $650K FICO 780 Zip code 93311 |
| 7/6 ARM | 30 year fixed | Bank Statement | LTV | Points & Origination fee |
| Owner Occupied | 5.75 | 5.5 | 6.5 | 75% | 0 |
Please notes:
- DSCR Loan Rates: Include a three-year prepaid penalty and require a DSCR of ≥1.
