If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-888-387-8632 for assistance.
24-Hour Member Service: (888) 387-8632
Locations & Hours

Mortgage Rates

Mortgage Rates as of August 8, 2022.

ProductRates As Low AsOrigination/ Discount FeeAPR* As Low As
30 Year Conforming5.250%0.500%5.319%
30 Year Jumbo5.500%0.500%5.561%
20 Year Conforming5.000%0.500%5.092%
20 Year Jumbo5.250%0.500%5.331%
15 Year Conforming4.375%0.500%4.490%
15 Year Jumbo4.625%0.500%4.726%
10 Year Conforming4.250%0.500%4.414%
7 Year Conforming3.375%0.500%3.601%
15 Year Equity Loan6.500%0.500%6.849%
10 Year Equity Loan5.500%0.500%5.982%

2022 California Conventional Conforming Loan Limits

CountyLimit
Alameda$970,800
Alpine$647,200
Amador$647,200
Butte$647,200
Calaveras$647,200
Colusa$647,200
Contra Costa$970,800
Del Norte$647,200
El Dorado$675,050
Fresno$647,200
Glenn$647,200
Humboldt$647,200
Imperial$647,200
Inyo$647,200
Kern$647,200
Kings$647,200
Lake$647,200
Lassen$647,200
Los Angeles$970,800
Madera$647,200
Marin$970,800
Mariposa$647,200
Mendocino$647,200
Merced$647,200
Modoc$647,200
Mono$647,200
Monterey$854,450
Napa$897,000
Nevada$647,200
Orange$970,800
Placer$675,050
Plumas$647,200
Riverside$647,200
Sacramento$675,050
San Benito$970,800
San Bernardino$647,200
San Diego$879,750
San Francisco$970,800
San Joaquin$647,200
San Luis Obispo$805,000
San Mateo$970,800
Santa Barbara$783,150
Santa Clara$970,800
Santa Cruz$970,800
Shasta$647,200
Sierra$647,200
Siskiyou$647,200
Solano$647,200
Sonoma$764,750
Stanislaus$647,200
Sutter$647,200
Tehama$647,200
Trinity$647,200
Tulare$647,200
Tuolumne$647,200
Ventura$851,000
Yolo$675,050
Yuba$647,200

We do business in accordance with Federal Fair Housing laws, including the Equal Credit Opportunity Act.

Rates quoted above assume the loan is for the purchase or limited-cash-out refinance of an owner-occupied, existing single-family residence, in California only, serving as a primary residence, with a loan-to-value ratio of less than 75%, and excellent credit. Conforming loan limits are listed above by county.

*APR – Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR.  The interest rates and Annual Percentage Rates (APRs) shown are subject to change without notice. All mortgage loans through 1st Nor Cal Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply.

Payment example: For a 30 year, $350,000 conforming mortgage and a fixed rate of 5.250%, approximate payment amount is $1,932.72. The monthly payment only includes principal and interest, as 1st Nor Cal CU does not offer impound accounts.

NMLS # 580488