Interest Rates

Money

A number of factors will influence your interest rate, including your credit score, the amount you are borrowing relative to the value/price of the home, the type of property you are purchasing or refinancing (single family home, condo, 2-4 unit property), the purpose of your financing (purchase, refinance wit no equity removal, refinance with cash back to you, finance investment property, finance second home), and the length of the rate lock commitment.
 

This pricing differentiation is called “risk-based pricing”. Because of these many pricing factors, it is not possible for us to accurately present interest rate alternatives on this site: we need to know a number of things about your situation to provide a reliable interest rate quote. No lending institution can provide accurate rate quotes without knowing this information.

For this reason, to get an idea of the general level of interest rates, we have posted below current rates for a variety of generic loan situations.

Feel free to browse our selection of payment calculators and tools.

For a more accurate quotation, please contact us to discuss your situation with one of our mortgage advisors. 
 

Conforming Rates based on $417,000 loan amount, Agency-Jumbo Rates based on $725,000 loan amount, Jumbo Rates based on $750,000 loan amount/70% LTV. ALL reflect 45 day pricing.

Rates last updated on Nov 25 2015, 09:13AM PST
30 Year Fixed Conforming
Interest Rate Disc. Points APR Payment  
4.125% 0.000% 4.223% $2,020.99 Apply Now
30 Year Fixed - High Balance
Interest Rate Disc. Points APR Payment  
4.250% 0.000% 4.321% $3,077.08 Apply Now
30 Year Fixed - Jumbo
Interest Rate Disc. Points APR Payment  
4.375% 0.000% 4.435% $3,994.28 Apply Now
15 Year Fixed Conforming
Interest Rate Disc. Points APR Payment  
3.500% 0.000% 3.668% $2,981.06 Apply Now
15 Year Fixed - High Balance
Interest Rate Disc. Points APR Payment  
3.500% 0.000% 3.619% $4,471.59 Apply Now
15 Year Fixed - Jumbo
Interest Rate Disc. Points APR Payment  
4.250% 0.000% 4.354% $6,018.23 Apply Now
5 Year Fixed Conforming
Interest Rate Disc. Points APR Payment  
3.500% 0.000% 3.755% $1,872.52 Apply Now
5 Year Fixed - High Balance
Interest Rate Disc. Points APR Payment  
3.625% 0.000% 3.610% $2,852.60 Apply Now
5 Year Fixed - Jumbo
Interest Rate Disc. Points APR Payment  
3.625% 0.000% 3.760% $3,648.41 Apply Now
FHA 30 Year Fixed
Interest Rate Disc. Points APR Payment  
3.625% 0.000% 4.732% $1,938.22 Apply Now
30 Year FHA - High Balance
Interest Rate Disc. Points APR Payment  
3.750% 0.000% 4.829% $2,987.10 Apply Now

Fees will vary.

Holmgren and Associates

DBA of Finance of America
1900 Mountain Boulevard
Oakland, California 94611
Phone: 510-339-2121
NMLS 0910184/1071
 

Holmgren & Associates is a branch of Finance of America. We are a full service mortgage banker with an experienced staff offering expertise in residential mortgage lending, with primary focus on loans for home purchase, refinance, and reverse mortgages.

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