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Mortgage Rates

Mortgage Rates as of January 15, 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 Conforming2.625%0.000%2.779%
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%

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 Loans: loan limits up to $484,350. Jumbo Loans: loan amounts greater than $484,350 and up to $2,000,000.

*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