Los Alamitos, CA Mortgage Rates and Refinance Rates

Los Alamitos, California Mortgage Rates - Refinance Rates

Los Alamitos, CA: Search and compare mortgage rates and refinance rates in Los Alamitos, CA. Our rate table has a list of Los Alamitos, California mortgage interest rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current Mortgage Rates or mortgage refinance rates you need to first have an understanding of the types of mortgages available and the corresponding interest rates. Types of mortgages interest rates and refinance mortgage rates available in Los Alamitos, CA include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Los Alamitos, CA listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 95816, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
Pentagon Federal Credit Union Logo
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: None
 
 
Next button
GoRefi Logo
NMLS # 991397
State Lic # 01926580
at 0.000 pts
30 day lock rate
Est payment: $1,429.77
Fees in APR: None
 
 
Next button
NationsChoice Mortgage Logo
NMLS # 164626
State Lic # 4130556
(877) 621-7125
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: $995
 
 
Next button
Mortgage Mate Logo
NMLS # 3294
State Lic # 4130479
(877) 829-3373
at 0.000 pts
60 day lock rate
Est payment: $1,405.34
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
AimLoan.com Logo
NMLS # 2890
State Lic # 413-0477
at 0.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $1,599
 
 
Next button
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: None
 
 
Next button
CertusBank Mortgage Logo
NMLS # 445276
(877) 811-6467
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,375
 
 
Next button
Greenlight Loans Logo
NMLS # 2119
State Lic # 6038216
(877) 678-0132
at 0.000 pts
45 day lock rate
Est payment: $1,442.07
Fees in APR: $1,995
Corporate NMLS ID #2140 
 
Next button
One True Loan, Inc. Logo
NMLS # 1132440
State Lic # 01946329
(877) 345-4351
at 0.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $750
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
(877) 915-5390
at 0.000 pts
40 day lock rate
Est payment: $1,429.77
Fees in APR: $1,750
 
 
Next button
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 661-8303
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: None
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # 4131040
(877) 561-0247
at 0.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $1,495
 
 
Next button
Capital One Logo
NMLS # 453156
(877) 814-7279
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: $786
 
 
Next button
Roundpoint Mortgage Logo
NMLS # 49636
State Lic # 603G897
(877) 821-7693
at 0.000 pts
30 day lock rate
Est payment: $1,417.52
Fees in APR: None
Please contact us for more options including no closing costs. 
 
Next button
First Financial Services, Inc Logo
NMLS # 45012
State Lic # 413-1161
(877) 458-2325
at 0.000 pts
30 day lock rate
Est payment: $1,417.52
Fees in APR: None
 
Next button
Amerisave Mortgage Corporation Logo
NMLS # 1168
State Lic # 4130574
(877) 892-7165
at 0.000 pts
30 day lock rate
Est payment: $1,429.77
Fees in APR: $1,995
Billions Funded. Direct Lender. 
 
Next button
Capital One Logo
NMLS # 453156
(877) 814-7279
at 2.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $786
 
 
Next button
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 661-8303
at 2.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: None
 
 
Next button
GoRefi Logo
NMLS # 991397
State Lic # 01926580
at 1.100 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $710
 
 
Next button
Roundpoint Mortgage Logo
NMLS # 49636
State Lic # 603G897
(877) 821-7693
at 1.814 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: None
Please contact us for more options including no closing costs. 
 
Next button
Mortgage Mate Logo
NMLS # 3294
State Lic # 4130479
(877) 829-3373
at 2.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
Amerisave Mortgage Corporation Logo
NMLS # 1168
State Lic # 4130574
(877) 892-7165
at 2.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $1,995
Billions Funded. Direct Lender. 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # 4131040
(877) 561-0247
at 2.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,950
 
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
(877) 915-5390
at 1.875 pts
40 day lock rate
Est payment: $1,393.22
Fees in APR: $1,750
 
 
Next button
AimLoan.com Logo
NMLS # 2890
State Lic # 413-0477
at 1.100 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $3,599
 
 
Next button
CertusBank Mortgage Logo
NMLS # 445276
(877) 811-6467
at 2.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $1,375
 
 
Next button
Greenlight Loans Logo
NMLS # 2119
State Lic # 6038216
(877) 678-0132
at 2.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $1,995
Corporate NMLS ID #2140 
 
Next button
NationsChoice Mortgage Logo
NMLS # 164626
State Lic # 4130556
(877) 621-7125
at 2.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $1,895
 
 
Next button
One True Loan, Inc. Logo
NMLS # 1132440
State Lic # 01946329
(877) 345-4351
at 1.625 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $750
 
Next button
First Financial Services, Inc Logo
NMLS # 45012
State Lic # 413-1161
(877) 458-2325
at 2.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: None
 
Next button
AimLoan.com Logo
NMLS # 2890
State Lic # 413-0477
at 0.100 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $2,511
 
 
Next button
Roundpoint Mortgage Logo
NMLS # 49636
State Lic # 603G897
(877) 821-7693
at 0.903 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: None
Please contact us for more options including no closing costs. 
 
Next button
Pentagon Federal Credit Union Logo
at 1.000 pts
60 day lock rate
Est payment: $1,405.34
Fees in APR: None
 
 
Next button
Greenlight Loans Logo
NMLS # 2119
State Lic # 6038216
(877) 678-0132
at 1.000 pts
45 day lock rate
Est payment: $1,417.52
Fees in APR: $1,995
Corporate NMLS ID #2140 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # 4131040
(877) 561-0247
at 1.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $695
 
 
Next button
Sebonic Financial Logo
NMLS # 66247
State Lic # 603K498
(877) 661-8303
at 1.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: None
 
 
Next button
GoRefi Logo
NMLS # 991397
State Lic # 01926580
at 0.100 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,434
 
 
Next button
One True Loan, Inc. Logo
NMLS # 1132440
State Lic # 01946329
(877) 345-4351
at 0.125 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $750
 
Next button
Capital One Logo
NMLS # 453156
(877) 814-7279
at 1.000 pts
60 day lock rate
Est payment: $1,417.52
Fees in APR: $786
 
 
Next button
First Financial Services, Inc Logo
NMLS # 45012
State Lic # 413-1161
(877) 458-2325
at 1.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: None
 
Next button
Mortgage Mate Logo
NMLS # 3294
State Lic # 4130479
(877) 829-3373
at 1.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: None
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294. 
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
(877) 915-5390
at 0.500 pts
40 day lock rate
Est payment: $1,417.52
Fees in APR: $1,750
 
 
Next button
CertusBank Mortgage Logo
NMLS # 445276
(877) 811-6467
at 1.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $1,375
 
 
Next button
Amerisave Mortgage Corporation Logo
NMLS # 1168
State Lic # 4130574
(877) 892-7165
at 1.000 pts
30 day lock rate
Est payment: $1,417.52
Fees in APR: $1,995
Billions Funded. Direct Lender. 
 
Next button

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Los Alamitos, CA Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of California. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Los Alamitos, CA mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Los Alamitos, CA mortgage loans that have been made. As a result, Los Alamitos, CA mortgage rates today are lower than jumbo interest rates in Los Alamitos, CA. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Los Alamitos, CA Super Conforming Home Loan Rates

Super conforming mortgages in Los Alamitos, CA are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Los Alamitos, CA Jumbo Loan Interest Rates

Los Alamitos, CA jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Los Alamitos, CA are usually 0.75 basis points higher than conforming interest rates in Los Alamitos, CA because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Los Alamitos, CA Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Los Alamitos, CA. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Los Alamitos, CA Adjustable Interest Rates

Los Alamitos, CA adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Los Alamitos, CA Interest Only Home Mortgage Rates

Los Alamitos, CA interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Los Alamitos, CA FHA Mortgage Mortgage Rates

Borrowers in Los Alamitos, CA must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Los Alamitos, CA are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Los Alamitos, CA Rates & Resources


Los Alamitos FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Bank of America, National Association

3510 11262 Los Alamitos Boulevard, Los Alamitos, CA 90720

City National Bank

17281 5252 Katella Avenue, Los Alamitos, CA 90720

JPMorgan Chase Bank, National Association

628 3502 Katella Avenue, Los Alamitos, CA 90720

Pacific Premier Bank

32172 4957 Katella Avenue, Suite B, Los Alamitos, CA 90720

U.S. Bank National Association

6548 10942 Pine Street, Los Alamitos, CA 90720

U.S. Bank National Association

6548 3996 Ball Road, Los Alamitos, CA 90720