Rate Assumptions

• All rates listed in this website are assumed to be mortgages or loans based on California residential properties.

• Annual Percentage Rate (APR) calculations assume single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 90%; and a loan amount of under $275,000 for conforming loans.

• Annual Percentage Rate (APR) calculations assume no subordinate financing and that the borrower will provide full income documentation.

• PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.

• Rates may be higher for loan amounts under $100,000 and over $650,000. Please call for details.

• Roll downs are only available on loan amounts of $150,000 or more.

• Rates are subject to change without notice.

• Restrictions may apply.

• Subject to underwriter approval; not all applicants will be approved.

• Taxes and insurance are extra.