Today's Refinance Rates5.3%5.6% APR Fixed Mortgage
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Lower Your Interest Rate
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
Why should I lower my rate? |
Save money |
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Lower Payments |
Shorten Your Loan Term
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
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Pay less interest |
Leverage Your Home's Equity
Take cash out of your home to apply to improvements, renovations, or other investments.
Why should I cash out? |
Renovations |
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Pay for other debts or emergencies |
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TrustPilot19631 Verified Reviews
- Highest In Customer Satisfaction
- #1 Mortgage Lender Volume
- Multiple Refinance Options
- Fortune 100 Best Company
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TrustPilot11488 Verified Reviews
- Providing Affordable Mortgages and Award-Winning Client Service for Over 30 yrs.
- Highest in Customer Satisfaction in the US - J.D. Power
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TrustPilot11272 Verified Reviews
- Lock in a lower rate for 90 days with
- No SSN or hard credit pull for pre-qualification
- Online application available 24/7
- Find a quote easily
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Google Reviews437 Verified Reviews
- FDIC Bank founded in 1919
- Refinance to get cash out up to 90% LTV
- Loans Close in 30 Days
- BBB A+, Top 20 in US
- FHA, VA, Conventional and Bank Statement loans
- NMLS 423028 Equal Housing lender
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- 1645 Verified Reviews
- Veteran-Owned and Operated Business, We Understand VA Needs
- Federally Chartered Bank Focused Primarily in Home Lending
- We Offer Customized Solutions for our Customers Unique Needs
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- Conventional, VA, FHA, USDA, Harp
- Home Equity & Cash Out Options
- Zero Point Options!
- Home Equity Lines of Credit
- Home Equity Loans
- Many Options to Choose
- BBB A+
- Alternative Cash Out
California Mortgage Rates
From the vineyards of Napa Valley to the waterfront homes in Manhattan Beach, California is home to some of the most outstanding real estate in the country.
Whether you are looking to purchase a property as a place to call home or strictly an investment, everything starts with understanding California mortgage rates and how they will impact that transaction.
Common California Loan Types:
- California conventional mortgages: California mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to find the option that's right for you.
- California FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in California on FreeRateUpdate.com today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
- California VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in California through FreeRateUpdate.com. VA loans require no down payment and typically have lower interest rates than conventional mortgages.
California Mortgage Rates Compared to National Averages
California mortgage rates are currently sitting just slightly below the average for the country as a whole, and the same can be said of California refinance rates for anyone who already owns property here and is looking to improve on their current deal.
Of course, interest rates are pretty much the only expense here that is below the national average. California is the second most expensive state for overall real estate prices, and the cost of living is incredibly high here as well.
