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Mortgage Rates

Mortgage Rates as of July 25, 2021.

ProductRates As Low AsOrigination/ Discount FeeAPR* As Low As
7 Year Conforming2.250%0.000%2.406%
10 Year Conforming2.375%0.000%2.506%
15 Year Conforming2.500%0.000%2.602%
20 Year Conforming2.750%0.000%2.881%
30 Year Conforming2.875%0.000%3.006%
15 Year Jumbo3.000%0.000%3.052%
20 Year Jumbo3.125%0.000%3.256%
30 Year Jumbo3.250%0.000%3.366%
15 Year Equity Loan6.000%0.000%6.160%
10 Year Equity Loan5.000%0.000%5.220%

2021 California Conventional Conforming Loan Limits

CountyLimit
Alameda822,375
Alpine548,250
Amador548,250
Butte548,250
Calaveras548,250
Colusa548,250
Contra Costa822,375
Del Norte548,250
El Dorado598,000
Fresno548,250
Glenn548,250
Humboldt548,250
Imperial548,250
Inyo548,250
Kern548,250
Kings548,250
Lake548,250
Lassen548,250
Los Angeles822,375
Madera548,250
Marin822,375
Mariposa548,250
Mendocino548,250
Merced548,250
Modoc548,250
Mono548,250
Monterey739,450
Napa816,500
Nevada548,250
Orange822,375
Placer598,000
Plumas548,250
Riverside548,250
Sacramento598,000
San Benito822,375
San Bernardino548,250
San Diego753,250
San Francisco822,375
San Joaquin548,250
San Luis Obispo701,500
San Mateo822,375
Santa Barbara660,100
Santa Clara822,375
Santa Cruz822,375
Shasta548,250
Sierra548,250
Siskiyou548,250
Solano550,850
Sonoma707,250
Stanislaus548,250
Sutter548,250
Tehama548,250
Trinity548,250
Tulare548,250
Tuolumne548,250
Ventura739,450
Yolo598,000
Yuba548,250

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 with zero-points and a fixed rate of 2.875%, approximate payment amount is $1,452.13. The monthly payment only includes principal and interest, as 1st Nor Cal CU does not offer impound accounts.

NMLS # 580488