Real Estate

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Refinance Today with a Low Rate and No Closing Costs or Points!

15-Year Fixed: 2.25%
30-Year Fixed: 2.875%

Purchase Home

Refinance Mortgage

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.

* ELIGIBILITY AND ASSUMPTIONS: Offer based on a first lien, rate and term Fast Trac refinance fixed rate Loan, on a 30-year, $300,000 loan amount. Property must be owner-occupied, 1-unit, single family residence, PUD or condominium located in California. Second home acceptable. Applicant must have a minimum 740 FICO score, be a W-2 wage earner, have no other financed properties, no subordinate financing and a maximum Loan to value of 60%. If these assumptions are not met, you may still qualify for other Loan products where rates/terms will differ. Restrictions apply and not all applicants will qualify and are subject to underwriting approval. Minimum and maximum Loan amounts apply. This is not a commitment to lend. Jumbo Loan Assumptions: $1,200,000 loan amount, LTV 60%, FICO 780+, Single Family Residence, 24 months reserves.

No closing costs are available on rate/term and limited cash out refinance transactions only. Home Bay Financial will pay the following third party closing costs on behalf of the Borrower: appraisal fees, credit report fees, flood certification fees, escrow/closing fees, signing fees, title insurance fees (lenders policy and endorsements). The Borrower is responsible for paying: prepaid interest, property taxes, state mortgage/transfer taxes, all types of insurance, existing lender payoff fees, survey fees, inspection fees and discount points (if Borrower chooses to pay discount points to buy down the inter­­­est rate). Minimum loan amount is $300,000.

Home Bay Financial Inc.CAL DRE Corp ID # 02090922NMLS# 1856453

16950 Via De Santa Fe, Suite 5060-106, Rancho Santa Fe, CA 92067866-638-2011