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Real Estate

Best California Mortgage Rates

2.50% for 30-Year Fixed (APR 2.644%)

Our rates are lower than Quicken, Wells Fargo, Chase, and other national lenders.

Refinance Mortgage

Purchase Home

Get a FREE, no-obligation quote

and see how much you can save!

No social security number or a credit report required to receive a rate quote.

* Based on 1.125-point origination fee + closing costs and interest rate assumptions below.

Today‚Äôs rate with no points: 2.875%, APR 2.933% for a 30-Year Fixed-Rate Mortgage. 

Today's rates with no points + no closing costs: 3.0% (APR 3.0%). 

Interest rate assumptions: 30-Year Fixed-Rate Mortgage, $450,000 loan amount and 60% LTV, FICO 740. 

Updated 09/03/2020. Individual results may vary.

16950 Via De Santa Fe, Suite 5060-106, Rancho Santa Fe, CA 92067


Home Bay Financial Inc.

CAL DRE Corp ID # 02090922

NMLS# 1856453