Date: 08/31/2026
The following are today's purchase rate and refinance rate for California:
QM Loan
| Purchase $650K FICO 780 Zip code 94804 |
| FHA 5/1 ARM | 30 year fixed | 15 year fixed | bank statement | LTV | Points & Origination fee |
| Owner Occupied | 5.625 | 6.6 | 5.875 | 6.625 | 80% | 0 |
| Investment Property |
| 6.625 | |
| 75% | 0 |
| DSCR | | 6.5 | | | 75% | 0 |
| Refinance $650K FICO 780 Zip code 94804 |
| FHA 5/1 ARM | 30 year fixed | 15 year fixed | bank statement | LTV | Points & Origination fee |
| Owner Occupied | 5.625 | 6.5 | 5.875 | 6.625 | 75% | 0 |
| Investment Property |
| 6.625 | |
| 75% | 0 |
| DSCR | | 6.5 | | | 75% | 0 |
Jumbo Loan
| Purchase $2M FICO 780 Zip code 94065 |
| 5/6 ARM | 30 year fixed | 15 year fixed | bank statement | LTV | Points & Origination fee |
| Owner Occupied | 6.0 | 6.5 | 5.625 | 6.5 | 75% | 0 |
| Refinance $2M FICO 780 Zip code 94065 |
| 5/6 ARM | 30 year fixed | 15 year fixed | bank statement | LTV | Points & Origination fee |
| Owner Occupied | 6.0 | 6.5 | 5.625 | 6.5 | 75% | 0 |
Please notes:
- Primary Residence Purchase Rates: Include first-time homebuyer discounts.
- DSCR Loan Rates: Include a three-year prepaid penalty and DSCR of ≥1.
