Date: 11/26/2025
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 | 5.24 | 5.84 | 5.04 | 80% | 0 |
| Investment Property | 5.95 | 6.08 | | 75% | 0 |
| DSCR | | 6.45 | | 75% | 0 |
| Refinance $650K FICO 780 Zip code 93311 |
| 7/6 ARM | 30 year fixed | 15 year fixed | LTV | Points & Origination fee |
| Owner Occupied | 5.21 | 5.56 | 4.96 | 75% | 0 |
| Investment Property | 6.10 | 6.06 | | 75% | 0 |
| Purchase $2M FICO 780 Zip code 94065 |
| 7/6 ARM | 30 year fixed | Bank Statement | LTV | Points & Origination fee |
| Owner Occupied | 5.75 | 5.625 | 6.375 | 75% | 0 |
| Refinance $2M FICO 780 Zip code 94065 |
| 7/6 ARM | 30 year fixed | Bank Statement | LTV | Points & Origination fee |
| Owner Occupied | 5.75 | 5.5 | 6.375 | 75% | 0 |
Please notes:
- DSCR Loan Rates: Include a two-year prepaid penalty and require a DSCR of ≥1.
