Date: 07/14/2025
The following are today's purchase rate and refinance rate for California:
| Purchase $650K FICO 780, Zip code 91764 |
| 30 yr fixed | 15year fixed | LTV | Points & Origination fee |
| Owner Occupied | 6.5 | 5.5 | 80% | 0 |
| Investment Property | 6.875 | | 75% | 0.2 |
| DSCR | 6.99 | | 75% | 0 |
| Refinance $650K House FICO 780, Zip code 91764 |
| 30 yr fixed | 15 yr fixed rate | LTV | Points & Origination Fee |
| Primary Residence | 6.375 | 5.375 | 75% | 0.2 |
| Purchase $2.5M Zip code 94065 |
| 30 yr fixed | 12m Bank Stm | LTV | Points & Origination fee |
| Owner Occupied | 6.5 | 6.875 | 75% | 0 |
| Refinance $2.5M House e Zip code 94065 |
| 30 yr fixed | 12m Bank Stm | LTV | Points & Origination Fee |
| Primary Residence | 6.5 | 6.875 | 75% | 0 |
Please notes:
- Primary Residence Loan Rates: Include first-time homebuyer discounts.
- DSCR Loan Rates: Include a three-year prepaid penalty and require a DSCR of ≥1.
