Loan Calculators

• Today's Rates

  Mortgage Rates jumped in early June. Read here to learn why - and see where rates might go moving forward.
  
  Conforming 30 year
  3.625% (3.722% APR)
  
  Conforming 15 year
  2.750% (2.979% APR)
  
  High Balance 30 year
  3.875% (3.965% APR)
  
  Jumbo 30 year
  4.250% (4.331% APR)
  
  FHA 30 year
  3.250% (4.272% APR)
  
  USDA 30 year
  3.375% (3.532% APR)
  
  For more mortgage rates for loan packages including VA, FHA 203k and Manufactured Homes, see HERE.
  
  For interest rate methodology, see HERE
• 

• Privacy Policy

  We take the maintenance of your privacy very seriously. To see our website privacy policy, please click HERE
  

• Mortgage Basics: The Loan Process Explained

  The Loan Process Part 1: Pre Approval
  The Loan Process Part 2: Underwriting
  The Loan Process Part 3: Appraisal
  The Loan Process Part 4: Loan Funding
  Understanding Mortgage Pricing
  Understanding Why (and When) Mortgage Rates Move
  The Rate Lock
  The Floating Rate Lock
  Changes to the Appraisal Process
  Documentation Difficulties
  How to Improve Your Credit Score
  The pros and cons of an escrow impound account
  Mortgages after foreclosure or bankruptcy
  Mortgage Insurance Basics: Overview
  Mortgage Insurance Basics: Conventional Loans
  Mortgage Insurance Basics: FHA, USDA, and VA
  

• Central Coast Lending Locations

  Morro Bay Mortgage & Home Loans
  San Luis Obispo Mortgage & Home Loans
  Paso Robles Mortgage & Home Loans
  Arroyo Grande Mortgage & Home Loans
  Atascadero Mortgage & Home Loans
  Avila Beach Mortgage & Home Loans
  Buellton Mortgage & Home Loans
  Cambria Mortgage & Home Loans
  Grover Beach Mortgage & Home Loans
  Los Osos Mortgage & Home Loans
  Pismo Beach Mortgage & Home Loans
  Templeton Mortgage & Home Loans
  Oceano Mortgage & Home Loans
  Nipomo Mortgage & Home Loans
  Lompoc Mortgage & Home Loans
  Santa Margarita Mortgage & Home Loans
  Santa Maria Mortgage & Home Loans
  Orcutt Mortgage & Home Loans
  Santa Ynez Mortgage & Home Loans
  Solvang Mortgage & Home Loans
  

• Archives

  • June 2013 (32)
  • May 2013 (48)
  • April 2013 (67)
  • March 2013 (70)
  • February 2013 (81)
  • January 2013 (76)
  • December 2012 (37)
  • November 2012 (56)
  • October 2012 (65)
  • September 2012 (56)
  • August 2012 (50)
  • July 2012 (30)
  • June 2012 (33)
  • May 2012 (36)
  • April 2012 (44)
  • March 2012 (38)
  • February 2012 (48)
  • January 2012 (24)
  • December 2011 (13)
  • November 2011 (10)
  • October 2011 (18)
  • September 2011 (7)
  • August 2011 (3)