Home Purchase
Fixed-Rate Programs

30-Year Fixed Rate

Planning to stay in your new home for a while? A 30-year term provides lower monthly payments than our shorter-term loans. A fixed interest rate offers a consistent monthly payment amount for as long as you have the loan.

  • Down payments as low as 3%
  • Low fees
  • Rate lock that covers the period between credit approval and closing*
  • No prepayment penalty
*Limits apply to the length of rate locks offered and rate locks may not cover the entire period between credit approval and closing in all cases. See our Rate Lock Policy for terms and conditions.

30-Year Fixed (Conforming)
(Maximum Loan: $417,000)
Rate APR Points Est. Pymt./$1,000
4.000 4.15% 1.000 $4.77
4.250 4.32% 0.000 $4.92
4.500 4.50% -0.750 $5.07

30-Year Fixed (Jumbo)
(Maximum Loan: $1,500,000)**
Rate APR Points Est. Pymt./$1,000
4.125 4.40% 1.000 $4.92
4.375 4.57% 0.000 $5.07
4.625 4.73% -1.000 $5.22
**Loan amount over $1,000,000 requires an additional 0.500% rate adjustment.

PLEASE BE ADVISED: The interest rates, points, and APRs listed above are effective as of 04/18/2014 and examples of the loan pricing offered for a particular product. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Programs are subject to change without notice.

The APRs and estimated payments are based on a loan amount of $350,000.
Not applicable to loan pre-approvals without property selected.

To speak to a real estate loan consultant, please call
714/258-4000 or 800/462-8328, extension 8288.
Consultants are available Monday - Friday, from
8 a.m. to 7 p.m., and Saturday, from 9 a.m. to 3 p.m.

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