Question 1

How often are these mortgage rates updated?

Accepted Answer

Our California mortgage rates are updated daily using wholesale lender pricing to give you the most current information.

Question 2

What is the difference between rate and APR?

Accepted Answer

The interest rate is the cost of borrowing. APR (Annual Percentage Rate) includes the rate plus fees and points, giving a fuller picture of total loan cost.

Question 3

Can I lock in a rate I see on this page?

Accepted Answer

Yes. Contact Michael Colyer at (650) 288-8170 or apply online to lock in a rate. Rates change daily, so acting quickly is recommended.

Question 4

What types of home loans do you offer?

Accepted Answer

We offer 30-year fixed, 15-year fixed, FHA, VA, Jumbo, and adjustable-rate mortgages (ARM) for California borrowers.

Question 5

Do you serve all of California?

Accepted Answer

Yes. We are licensed to serve borrowers throughout the state of California, with our office located in Carlsbad.

Current California Mortgage Rates

Rates Coming Soon

Ready to Lock In Your Rate?

Mike Colyer