Date: 06/01/2026
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 | FHA 15 year fixed | bank statement | LTV | Points & Origination fee |
| Owner Occupied | 5.62 | 6.3 | 5.23 | 6.8 | 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 | FHA 15 year fixed | bank statement | LTV | Points & Origination fee |
| Owner Occupied |
| 5.98 | 5.0 | 6.68 | 75% | 0 |
| Investment Property |
| 6.47 | |
| 75% | 0 |
| DSCR | | 6.58 | | | 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 | 5.875 | 6.0 | 5.75 | 6.625 | 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 | 6.125 | 5.625 | 6.625 | 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.
