Rate and APR: Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purpose only, and are subject to change without notice. They may be subject to pricing variations related to property type, loan amount, loan-to-value, credit score, refinance with cash out and other variables—call for details. Property must be located in California. We based the mortgage interest rates shown on a 30-day rate lock period. This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify. APR reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as “points”) and loan origination fees.

Points: An amount paid to the lender in order to lower the interest rate. Also known as discount points. One point equals one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).

Payment: This is the total estimated dollar amount you will be expected to pay every month. It consists of Principal & Interest which is what you will pay to repay the amount you borrowed, and the interest that has accrued on that amount over the last month. The payment displayed does not include amounts for hazard insurance or property taxes, which will result in a higher actual monthly payment. If you have an adjustable-rate loan (ARM), your monthly payment may change annually (after the initial period) based on any increase or decrease in the index.

Chart data is for illustrative purposes only and is subject to change without notice. Advertised APR is based on a set of loan assumptions that include a borrower with excellent credit (780 credit score or higher), a loan amount of $500,000, a loan to value (LTV) of 60% or less, a one unit property that is a primary residence, and the loan purpose is a purchase or a rate and term refinance. Your actual APR may differ depending on your credit history and loan characteristics. Accuracy is not guaranteed and products may not be available for your situation. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10 years for a 10/1 ARM)