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Home Loans

Home > Rates > Loan Rates > Home Loans
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Home Loan Rates

APR: Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. NMLS  774623.

First Mortgages

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Conforming ARM Loans
Effective Date: Saturday, August 30th, 2025
NameRateAPR*Discount PointsMarginPercentage Caps†CMT IndexInitial Payment Per $1,000 FinancedMaximum Payment Per $1,000 Financed‡
3/1 ARM 5.625% 6.27% 0.00% 2.50% 2/2/6 3.975% $5.76 $6.40
5/1 ARM 5.75% 6.21% 0.00% 2.50% 2/2/6 3.975% $5.84 $6.40
7/1 ARM 6.125% 6.33% 0.00% 2.50% 2/2/6 3.975% $6.08 $6.65

* APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. NMLS 774623.

† Percentage Caps:

  • Initial Rate Cap (2%, 200 basis points): This limits how much the interest rate can increase the first time it adjusts, which is typically after the initial fixed-rate period (often 3, 5, 7, or 10 years, depending on the loan).
  • Periodic Adjustment Cap (2%, 200 basis points): This limits how much the rate can increase or decrease each time it adjusts after the first adjustment. These adjustments typically happen once per year.
  • Lifetime Cap (6%, 600 basis points): This is the maximum amount the interest rate can ever increase over the initial starting rate for the entire life of the loan.

‡ ARM the maximum payment on an ARM if the rate reaches the maximum 18% allowable by law.

The estimated monthly payment per $1,000 borrowed based on current market conditions is listed above. The interest on this mortgage can change, including increase, after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. These payments are based on a $300,000 loan on a $500,000 property in Los Angeles County, CA. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.

Jumbo ARM Loans
Effective Date: Saturday, August 30th, 2025
NameRateAPR*Discount PointsMarginPercentage Caps†CMT IndexInitial Payment Per $1,000 FinancedMaximum Payment Per $1,000 Financed‡
Jumbo 3/1 ARM 5.63% 6.21% 0.00% 2.50% 2/2/6 3.975% $5.76 $6.40
Jumbo 5/1 ARM 5.75% 6.15% 0.00% 2.50% 2/2/6 3.975% $5.84 $6.40
Jumbo 7/1 ARM 6.13% 6.27% 0.00% 2.50% 2/2/6 3.975% $6.08 $6.65

* APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. NMLS 774623.

† Percentage Caps:

  • Initial Rate Cap (2%, 200 basis points): This limits how much the interest rate can increase the first time it adjusts, which is typically after the initial fixed-rate period (often 3, 5, 7, or 10 years, depending on the loan).
  • Periodic Adjustment Cap (2%, 200 basis points): This limits how much the rate can increase or decrease each time it adjusts after the first adjustment. These adjustments typically happen once per year.
  • Lifetime Cap (6%, 600 basis points): This is the maximum amount the interest rate can ever increase over the initial starting rate for the entire life of the loan.

‡ ARM the maximum payment on an ARM if the rate reaches the maximum 18% allowable by law.

The estimated monthly payment per $1,000 borrowed based on current market conditions is listed above. The interest on this mortgage can change, including increase, after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. These payments are based on a $1,200,000 loan on a $2,000,000 property in Los Angeles County, CA. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.

Home Equity Line of Credit (HELOC)
NameAPRNote
HELOC Variable APR* as low as 7.50% Choose payment options of either interest only or principal and interest.**
HELOC Fixed APR as low as 8.50% May elect the Fixed Rate on up to 60% of the approved HELOC limit. Minimum draw $10,000 per disbursement and up to 3 separate disbursements (no add-ons). Fixed rate cannot exceed maturity of the HELOC.

*Interest rate is variable and may change after loan funding.

**While making interest only payments, your principal is not reduced. Principal reductions only occur if you pay more than the amount due. At the end of the interest-only period, your monthly payment will increase, and the increase may be substantial. You will be required to pay the principal plus interest after the interest-only period. 

Home Equity Loan
Effective Date: Saturday, August 30th, 2025
NameLoan RateLoan APRExample Loan AmountMonthly Payment ExampleDiscount Points
15 yr. Fixed 8.740% 8.740% $50,000 $499 0
15 yr. Fixed 8.740% 8.740% $100,000 $999 0
15 yr. Fixed 8.740% 8.740% $250,000 $2,497 0
20 yr. Fixed 8.865% 8.865% $50,000 $446 0
20 yr. Fixed 8.865% 8.865% $100,000 $891 0
20 yr. Fixed 8.865% 8.865% $250,000 $2,228 0

Pricing based on a 740+ FICO score and up to 60% Loan-to-Value (LTV) ratio.


 

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