Thank You for Visiting our Rate Sheet
Introducing "Lock and Shop".  Lock Your Interest Rate and if Rates go up you are protected and if they go down we will give you the better Rate.  Lock in Before you are in contract and take your time looking.  
Compare our Rates With Direct Lenders and You Will Find We Are Significantly Better as we are Regulated and They are Not.  
Call Today 916-672-6130 for a personalized quote or 
click here for a quote.


Conventional 30 Year Fixed
RatePointsAPRLock Days
5.250%-3.768%4.933%30
5.125%-3.324%4.848%30
5.000%-2.614%4.785%30
4.875%-2.076%4.707%30
4.750%-1.557%4.627%30
4.625%-0.928%4.556%30
The APR is calculated using a loan amount of $424,000 and these typical fees.


Conventional 15 year Fixed
RatePointsAPRLock Days
4.625%-2.852%4.222%30
4.500%-2.524%4.146%30
4.375%-2.084%4.086%30
4.250%-1.553%4.039%30
4.125%-1.313%3.949%30
The APR is calculated using a loan amount of $417,000 and these typical fees.


10 year Fixed Rate
RatePointsAPRLock Days
4.375%-2.283%3.940%30
4.250%-1.990%3.878%0
4.125%-1.253%3.908%30
4.000%-1.002%3.836%30
3.875%-0.691%3.777%30
The APR is calculated using a loan amount of $417,000 and these typical fees.


FHA 30
RatePointsAPRLock Days
5.125%-4.482%4.761%30
5.000%-3.947%4.683%30
4.875%-3.671%4.583%30
4.750%-3.257%4.494%30
4.625%-2.500%4.434%30
4.500%-2.242%4.331%30
The APR is calculated using a loan amount of $417,000 and these typical fees.


VA Fixed Rate
RatePointsAPRLock Days
5.375%-4.859%4.973%30
5.250%-4.435%4.887%30
5.125%-4.137%4.789%30
5.000%-3.872%4.689%30
4.875%-3.471%4.599%30
4.750%-3.057%4.510%30
The APR is calculated using a loan amount of $417,000 and these typical fees.


Jumbo 30 year Fixed
RatePointsAPRLock Days
5.500%-2.125%1.000%30
5.375%-1.878%1.000%30
5.250%-1.731%1.000%30
5.125%-1.240%1.000%30
5.000%-1.214%1.000%30
The APR is calculated using a loan amount of $750,000 and these typical fees.


Jumbo 5/1 ARM
RatePointsAPRLock Days
4.500%-1.118%1.000%30
4.375%-0.984%1.000%30
4.250%-0.723%1.000%30
4.125%-0.626%1.000%30
4.000%-0.449%1.000%30
3.875%-0.116%1.000%30
The APR is calculated using a loan amount of $750,000 and these typical fees.
For more information on our extensive list of products please call or complete the form below.  
Thank you, we value your business. 

Call 916-672-6130

As a Mortgage Broker, we have access to hundreds of loan programs and it is our job to find you the best program and the best rates for your needs.  

Allow us to review other quotes you may have received and we will beat our competitors rates.  
We have NO added Origination Fees or Costs!

NOTE: If you see a minus sign is front of the number (-2.00) in the "points" column,that is the percent of the loan credited back to you to pay for your closing costs.  Example; if you see -4 and your loan amount is $300,000 you are credited $12,000 to use for your costs and fees (not to be used for down payment).  Note: also, that will pay our fees as well with no additional costs.  

Wholesale rates provided by Sierra pacific Mortgage and Pacific Union Financial.


Please note that rates change during the course of the day, for more rates and programs please give us a call at (916) 672-6130.

 *Rates will vary based on credit score and down payment and credit risk


Complete the form below for a custom quote.

Note that interest rates quoted are wholesale rates and are subject to the addition of a mortgage broker spread up to 3% maximum by law.



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Current posted rates are in effect as of 10/19/2018 12:47:56 PM Central Time.

Current Interest Rates

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