Home Loan Rates

Rates as of 09/28/2023 11:30 AM PT

Please note that rates and fees are subject to change without notice.

Purchase Rates
Refinance Rates
Equity Rates

Purchase Rates Refinance Rates Equity Rates

Conforming and Government Loans

5-Year SOFR ARM

Rate	APR	Discount Points
7.250%	7.784%	0.250

5-Year SOFR ARM Conforming Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 60 months, and will adjust every six months after the 60 month period ends. At a 7.250% initial interest rate, the APR for this loan type is 7.784%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

60 payments of $2046.53 at an interest rate of 7.250%
299 payments of $2208.79 at an interest rate of 8.125%
1 payments of $2193.93 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

7-Year SOFR ARM

Rate	APR	Discount Points
7.500%	7.813%	0.250

7-Year SOFR ARM Conforming Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 84 months, and will adjust every six months after the 84 month period ends. At a 7.500% initial interest rate, the APR for this loan type is 7.813%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

84 payments of $2097.64 at an interest rate of 7.500%
275 payments of $2208.31 at an interest rate of 8.125%
1 payments of $2193.46 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

10-Year SOFR ARM

Rate	APR	Discount Points
7.625%	7.808%	0.250

10-Year SOFR ARM Conforming Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 120 months, and will adjust every six months after the 120 month period ends. At a 7.625% initial interest rate, the APR for this loan type is 7.808%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

120 payments of $2123.38 at an interest rate of 7.625%
239 payments of $2204.28 at an interest rate of 8.125%
1 payments of $2189.45 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

15-Year Fixed

Rate	APR	Discount Points
7.125%	7.165%	0.250

15-Year Fixed Conforming Purchase

At a 7.125% interest rate, the APR for this loan type is 7.165%. The payment schedule would be:

179 payments of $2717.49 at an interest rate of 7.125%
1 payments of $2701.45 at an interest rate of 7.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

30-Year Fixed

Rate	APR	Discount Points
7.625%	7.625%	0.000

30-Year Fixed Conforming Purchase

At a 7.625% interest rate, the APR for this loan type is 7.625%. The payment schedule would be:

359 payments of $2123.38 at an interest rate of 7.625%
1 payments of $2109.97 at an interest rate of 7.625%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

30-Year Fixed FHA

Rate	APR	Discount Points
7.000%	7.828%	1.000

30-Year Fixed FHA Purchase

At a 7.000% interest rate, the APR for this loan type is 7.828%. The payment schedule would be:

12 payments of $2131.11 at an interest rate of 7.000%
12 payments of $2129.03 at an interest rate of 7.000%
12 payments of $2126.80 at an interest rate of 7.000%
12 payments of $2124.40 at an interest rate of 7.000%
12 payments of $2121.83 at an interest rate of 7.000%
12 payments of $2119.08 at an interest rate of 7.000%
12 payments of $2116.13 at an interest rate of 7.000%
12 payments of $2112.96 at an interest rate of 7.000%
12 payments of $2109.56 at an interest rate of 7.000%
12 payments of $2105.92 at an interest rate of 7.000%
12 payments of $2102.02 at an interest rate of 7.000%
12 payments of $2097.83 at an interest rate of 7.000%
12 payments of $2093.34 at an interest rate of 7.000%
12 payments of $2088.53 at an interest rate of 7.000%
12 payments of $2083.37 at an interest rate of 7.000%
12 payments of $2077.84 at an interest rate of 7.000%
12 payments of $2071.90 at an interest rate of 7.000%
12 payments of $2065.54 at an interest rate of 7.000%
12 payments of $2058.71 at an interest rate of 7.000%
12 payments of $2051.40 at an interest rate of 7.000%
12 payments of $2043.55 at an interest rate of 7.000%
12 payments of $2035.14 at an interest rate of 7.000%
12 payments of $2026.12 at an interest rate of 7.000%
12 payments of $2016.44 at an interest rate of 7.000%
12 payments of $2006.07 at an interest rate of 7.000%
12 payments of $1994.95 at an interest rate of 7.000%
12 payments of $1983.02 at an interest rate of 7.000%
12 payments of $1970.24 at an interest rate of 7.000%
12 payments of $1956.52 at an interest rate of 7.000%
11 payments of $1941.82 at an interest rate of 7.000%
1 payments of $1914.88 at an interest rate of 7.000%

The monthly payment amounts quoted include the mortgage insurance premium.

Mortgage insurance is required for most FHA loans. The monthly mortgage insurance premium is calculated based on the average annual outstanding balance, so it will vary from year to year.

Payment $1926.05

Mortgage Insurance Premium $205.06

Total $2131.11

The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $289,500 and an estimated property value of $300,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

Jumbo Loans

5-Year SOFR ARM

Rate	APR	Discount Points
7.125%	7.720%	0.125

5-Year SOFR ARM Jumbo Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 60 months, and will adjust every six months after the 60 month period ends. At a 7.125% initial interest rate, the APR for this loan type is 7.720%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

60 payments of $5389.75 at an interest rate of 7.125%
299 payments of $5882.46 at an interest rate of 8.125%
1 payments of $5842.90 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $825,000 and an estimated property value of $1,100,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

7-Year SOFR ARM

Rate	APR	Discount Points
7.250%	7.667%	0.125

7-Year SOFR ARM Jumbo Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 84 months, and will adjust every six months after the 84 month period ends. At a 7.250% initial interest rate, the APR for this loan type is 7.667%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

84 payments of $5457.41 at an interest rate of 7.250%
275 payments of $5867.17 at an interest rate of 8.125%
1 payments of $5827.71 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

10-Year SOFR ARM

Rate	APR	Discount Points
7.375%	7.626%	0.125

10-Year SOFR ARM Jumbo Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 120 months, and will adjust every six months after the 120 month period ends. At a 7.375% initial interest rate, the APR for this loan type is 7.626%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

120 payments of $5525.40 at an interest rate of 7.375%
239 payments of $5845.78 at an interest rate of 8.125%
1 payments of $5806.47 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

15-Year Fixed

Rate	APR	Discount Points
7.625%	7.625%	0.000

15-Year Fixed Jumbo Purchase

At a 7.625% interest rate, the APR for this loan type is 7.625%. The payment schedule would be:

179 payments of $7473.04 at an interest rate of 7.625%
1 payments of $7425.85 at an interest rate of 7.625%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

30-Year Fixed

Rate	APR	Discount Points
7.750%	7.750%	0.000

30-Year Fixed Jumbo Purchase

At a 7.750% interest rate, the APR for this loan type is 7.750%. The payment schedule would be:

359 payments of $5731.30 at an interest rate of 7.750%
1 payments of $5694.52 at an interest rate of 7.750%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

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Conforming and Government Loans

5-Year SOFR ARM

Rate	APR	Discount Points
7.250%	7.861%	1.000

5-Year SOFR ARM Conforming Refinance

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 60 months, and will adjust every six months after the 60 month period ends. At a 7.250% initial interest rate, the APR for this loan type is 7.861%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

60 payments of $2046.53 at an interest rate of 7.250%
299 payments of $2208.79 at an interest rate of 8.125%
1 payments of $2193.93 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to refinance a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

7-Year SOFR ARM

Rate	APR	Discount Points
7.375%	7.823%	1.000

7-Year SOFR ARM Conforming Refinance

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 84 months, and will adjust every six months after the 84 month period ends. At a 7.375% initial interest rate, the APR for this loan type is 7.823%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

84 payments of $2072.03 at an interest rate of 7.375%
275 payments of $2204.28 at an interest rate of 8.125%
1 payments of $2189.46 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to refinance a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

10-Year SOFR ARM

Rate	APR	Discount Points
7.500%	7.800%	1.000

10-Year SOFR ARM Conforming Refinance

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 120 months, and will adjust every six months after the 120 month period ends. At a 7.500% initial interest rate, the APR for this loan type is 7.800%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

120 payments of $2097.64 at an interest rate of 7.500%
239 payments of $2198.26 at an interest rate of 8.125%
1 payments of $2183.48 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to refinance a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

30-Year Fixed

Rate	APR	Discount Points
7.625%	7.716%	0.875

30-Year Fixed Conforming Refinance

At a 7.625% interest rate, the APR for this loan type is 7.716%. The payment schedule would be:

359 payments of $2123.38 at an interest rate of 7.625%
1 payments of $2109.97 at an interest rate of 7.625%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

Jumbo Loans

5-Year SOFR ARM

Rate	APR	Discount Points
7.375%	7.823%	0.125

5-Year SOFR ARM Jumbo Refinance

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 60 months, and will adjust every six months after the 60 month period ends. At a 7.375% initial interest rate, the APR for this loan type is 7.823%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

60 payments of $5525.40 at an interest rate of 7.375%
299 payments of $5897.62 at an interest rate of 8.125%
1 payments of $5857.95 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to refinance a property, with a loan amount of $825,000 and an estimated property value of $1,100,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

7-Year SOFR ARM

Rate	APR	Discount Points
7.375%	7.733%	0.125

7-Year SOFR ARM Jumbo Refinance

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 84 months, and will adjust every six months after the 84 month period ends. At a 7.375% initial interest rate, the APR for this loan type is 7.733%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

84 payments of $5525.40 at an interest rate of 7.375%
275 payments of $5878.08 at an interest rate of 8.125%
1 payments of $5838.55 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

10-Year SOFR ARM

Rate	APR	Discount Points
7.375%	7.626%	0.125

10-Year SOFR ARM Jumbo Refinance

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 120 months, and will adjust every six months after the 120 month period ends. At a 7.375% initial interest rate, the APR for this loan type is 7.626%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

120 payments of $5525.40 at an interest rate of 7.375%
239 payments of $5845.78 at an interest rate of 8.125%
1 payments of $5806.47 at an interest rate of 8.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

15-Year Fixed

Rate	APR	Discount Points
7.750%	7.750%	0.000

15-Year Fixed Jumbo Refinance

At a 7.750% interest rate, the APR for this loan type is 7.750%. The payment schedule would be:

179 payments of $7530.21 at an interest rate of 7.750%
1 payments of $7481.89 at an interest rate of 7.750%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

30-Year Fixed

Rate	APR	Discount Points
7.875%	7.875%	0.000

30-Year Fixed Jumbo Refinance

At a 7.875% interest rate, the APR for this loan type is 7.875%. The payment schedule would be:

359 payments of $5800.56 at an interest rate of 7.875%
1 payments of $5762.74 at an interest rate of 7.875%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

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Home Equity Line of Credit

Home Equity My Way Line^SMof Credit

Rate	APR
9.250%	9.250%

Home Equity My Way Line^SMof Credit

In the event of pay off and closure within 3 (three) years of disbursement, and early closure fee will be assessed at the time of payoff as follows: owner-occupied properties and second homes: $500, or 2% of the original credit limit, whichever is less; non-owner-occupied properties: $500. 14 years and 11 months draw period and a 180 month repayment period. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan may not be paid in full after the repayment period ends, a balloon payment may be required to pay the loan in full. There is currently no annual fee for you participation in the credit plan under the Equity My Way Agreement. There are no other fees to open, use, or maintain this account except for third-party fees, such as property insurance, as required in the Equity My Way Agreement. Contact the credit union for terms and conditions for refinancing an existing Golden 1 Equity loan. Other programs are available. Your maximum loan amount will be calculated using the combined loan-to-value of your existing first mortgage principal balance and new second mortgage according to current guidelines. The annual percentage rate (APR) will never be less than 4.00% for owner-occupied properties and 5.50% for non-owner-occupied properties. The maximum APR is 18% for owner-occupied properties and 19% for non-owner-occupied properties. All loans subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions.

At a 30 Year Term, the Minimum Loan Amount is $25,000 and Maximum Loan Amount is $500,000.

The information provided assumes a 720 credit score and that the subject property will be used as a primary residence. Limited to one-to-four-family owner-occupied units, vacation properties, and investment properties located in the state of California. Excludes mobile homes. Before your equity loan or line of credit is funded, all loans secured by your home other than your first mortgage must be paid off. Subject to property valuation. Property insurance required. Flood insurance may be required. All programs and maximum combined loan-to-values (CLTV) are subject to change or termination without notice.

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Home Loan Rates

Rates as of 09/28/2023 11:30 AM PT

Conforming and Government Loans

Jumbo Loans

Conforming and Government Loans

Jumbo Loans

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