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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.

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