Date: 11/18/2025
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 | 5.8 | 6.05 | 5.35 | 80% | 0 |
| Investment Property | 6.5 | 6.5 | | 75% | 0 |
| DSCR | | 6.39 | | 75% | 0 |
| Refinance $650K FICO 780 Zip code 93311 |
| 7/6 ARM | 30 year fixed | 15 year fixed | LTV | Points & Origination fee |
| Owner Occupied | 5.4 | 5.94 | 5.29 | 75% | 0 |
| Investment Property | 6.25 | 6.5 | | 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 | 6.0 | 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 | 5.75 | 6.0 | 6.5 | 75% | 0 |
Please notes:
- DSCR Loan Rates: Include a two-year prepaid penalty and require a DSCR of ≥1.
