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The following are the rates as of 7:00AM PCT Jan 22, 2021. Rates are
subject to change without notice(The rates are for California only).

The following rates are for refinance only. Lender may cover all the following fees: 
Lender Underwriting, Appraisal, Credit Report, Notary, Flood Cert, Recording,
subordination(for 2nd loan if applicable). We assumed 510k for conforming; 760k for
high balance loans. Credit over 740. LTV<=60%. 

Conforming(<=510,400)                       High Balance(>$510,400 & <=765,600)

30Yr. Fixed  2.625% APR 2.750%      30Yr. Fixed  2.750%  APR 2.750%(2.75% to 2.875%)
15Yr. Fixed  2.375% APR 2.375%      15Yr. Fixed  2.375%  APR 2.375%         

Conforming(>765,600)   

30Yr. Fixed  2.875% to 3.125% APR 2.875 to 3.125%(Depends on LTV, loan amount)

7/1 ARM      2.625% to 2.75% APR 2.625 to 3.125%(Depends on LTV, loan amount)

I will post some loan scenarios and other thoughts about the financial markets on the Eric Mortgage Blog. I would recommend you to read it if you are interested.