The following are the rates as of 7:00AM PCT Sep 15, 2025. Rates are
subject to change without notice(The rates are for California only).
I am updating my running blogs again.
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 720k for conforming; 1.089m for high balance loans. Credit over 740. LTV<=60%
Conforming(<=806,050) High Balance(>$806,050 & <=1,209,750)
30Yr. Fixed 5.875% APR 5.902% 30Yr. Fixed 6.000% APR 6.018%
15Yr. Fixed 5.125% APR 5.187% 7Yr/6mo 5.875% APR 5.923%
7/6mo ARM 5.625% APR 5.870%
Jumbo(>$1,209,750)
30Yr. Fixed 6.000% APR 6.018%
7/6mo 5.875% APR 5.923%
The rates for the purchase will be case by case, depending on how the contract is executed(i.e. who will pick up the fees, or buyer/seller splits)