Date: 01/07/2026
The following are today's purchase rate and refinance rate for California:
| Purchase $650K FICO 780 Zip code 94804 |
| 5/6 ARM | 30 year fixed | 15 year fixed | LTV | Points & Origination fee |
| Owner Occupied | 5.625 | 5.875 | 5.125 | 80% | 0 |
| Investment Property | 6.25 | 6.375 | | 75% | 0 |
| DSCR | | 6.5 | | 75% | 0 |
| Refinance $650K FICO 780 Zip code 94804 |
| 7/6 ARM | 30 year fixed | 15 year fixed | LTV | Points & Origination fee |
| Owner Occupied | 5.375 | 5.8 | 5.0 | 75% | 0 |
| Investment Property | 6.125 | 6.125 | | 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 | 5.8 | 6.5 | 75% | 0 |
| Refinance $2M FICO 780 Zip code 94065 |
| 7/6 ARM | 30 year fixed | Bank Statement | LTV | Points & Origination fee |
| Owner Occupied | 5.625 | 5.8 | 6.5 | 75% | 0 |
Please notes:
- Primary Residence Loan Rates: Include first-time homebuyer discounts.
- DSCR Loan Rates: Include a two-year prepaid penalty and require a DSCR of ≥1.
