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Mortgage Rates

Mortgage Rates as of February 24, 2024.

ProductRates As Low AsOrigination/ Discount FeeAPR* As Low As
30 Year Conforming6.250%0.500%6.343%
30 Year Jumbo6.375%0.500%6.457%
20 Year Conforming6.125%0.500%6.248%
20 Year Jumbo6.250%0.500%6.358%
15 Year Conforming5.625%0.500%5.777%
15 Year Jumbo5.750%0.500%5.883%
10 Year Conforming5.500%0.500%5.716%
7 Year Conforming4.990%0.500%5.287%
15 Year Equity Loan7.500%0.500%7.720%
10 Year Equity Loan7.000%0.500%7.304%

2023 California Conventional Conforming Loan Limits

CountyLimit
Alameda$1,089,200
Alpine$726,200
Amador$726,200
Butte$726,200
Calaveras$726,200
Colusa$726,200
Contra Costa$1,089,300
Del Norte$726,200
El Dorado$763,600
Fresno$726,200
Glenn$726,200
Humboldt$726,200
Imperial$726,200
Inyo$726,200
Kern$726,200
Kings$726,200
Lake$726,200
Lassen$726,200
Los Angeles$1,089,300
Madera$726,200
Marin$1,089,300
Mariposa$726,200
Mendocino$726,200
Merced$726,200
Modoc$726,200
Mono$726,200
Monterey$915,400
Napa$1,017,750
Nevada$726,200
Orange$1,089,300
Placer$763,600
Plumas$726,200
Riverside$726,200
Sacramento$763,600
San Benito$1,089,300
San Bernardino$726,200
San Diego$977,500
San Francisco$1,089,300
San Joaquin$726,200
San Luis Obispo$911,950
San Mateo$1,089,300
Santa Barbara$805,000
Santa Clara$1,089,300
Santa Cruz$1,089,300
Shasta$726,200
Sierra$726,200
Siskiyou$726,200
Solano$726,200
Sonoma$861,350
Stanislaus$726,200
Sutter$726,200
Tehama$726,200
Trinity$726,200
Tulare$726,200
Tuolumne$726,200
Ventura$948,750
Yolo$763,600
Yuba$726,200

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 6.250% (6.343% APR), approximate payment amount is $2,155.02. The monthly payment only includes principal and interest, as 1st Nor Cal CU does not offer impound accounts.

NMLS # 580488