Interest Rates


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. 

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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©2019 Holmgren & Associates is a division of Finance of America Mortgage LLC |Equal Housing Opportunity | NMLS ID #1071 (| 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5698 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act
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This is not a commitment to lend. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states.  Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision.  Any materials were not provided by HUD or FHA. It has not been approved by FHA or any Government Agency.  A preapproval is not a loan approval, rate lock, guarantee or commitment to lend. An underwriter must review and approve a complete loan application after you are preapproved in order to obtain financing.  Questions, comments, concerns? Send to