Compare Mortgage Rates

Compare current mortgage rates from several lenders listed below. The mortgage rate list displayed is for a $200,000 refinance mortgage loan in your state. Change the rate search criteria to receive your personalized mortgage quotes.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 95816, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
3.870
3.750
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
State Lic # 01525044
(844) 365 - 0454
at 0.100 pts
30 day lock rate
Est payment: $1,389.35
Fees in APR: $4,078
 
 
30 yr fixed Mortgage Loan from LOWRATES.COM
LOWRATES.COM
https://www.brimg.net/system/img/inst/10530_logo.gif
300000
Refinance
3.975
3.875
USD
LOWRATES.COM Logo
NMLS # 3277
at 0.100 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $3,327
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
3.794
3.625
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # 41DBO-51145
(877) 387 - 5986
at 1.000 pts
30 day lock rate
Est payment: $1,368.15
Fees in APR: $3,151
 
 
30 yr fixed Mortgage Loan from Blue Spot Home Loans
Blue Spot Home Loans
https://www.brimg.net/system/img/inst/10534_logo.gif
300000
Refinance
3.708
3.624
USD
Blue Spot Home Loans Logo
NMLS # 3001
at 0.100 pts
30 day lock rate
Est payment: $1,367.99
Fees in APR: $2,774
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
3.558
3.499
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.100 pts
45 day lock rate
Est payment: $1,346.97
Fees in APR: $1,902
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from LOWRATES.COM
LOWRATES.COM
https://www.brimg.net/system/img/inst/10530_logo.gif
300000
Refinance
4.250
4.250
USD
LOWRATES.COM Logo
NMLS # 3277
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomePlus Mortgage
HomePlus Mortgage
https://www.brimg.net/system/img/inst/7834_logo.gif
300000
Refinance
3.902
3.875
USD
HomePlus Mortgage Logo
NMLS # 78669
State Lic # 01426454
(844) 365 - 0487
at 0.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $995
 
 
30 yr fixed Mortgage Loan from Blue Spot Home Loans
Blue Spot Home Loans
https://www.brimg.net/system/img/inst/10534_logo.gif
300000
Refinance
3.874
3.874
USD
Blue Spot Home Loans Logo
NMLS # 3001
at 0.000 pts
30 day lock rate
Est payment: $1,410.54
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
3.875
3.875
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # 41DBO-51145
(877) 387 - 5986
at 0.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.050
4.000
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
State Lic # 01525044
(844) 365 - 0454
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,801
 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
3.750
3.750
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.000 pts
45 day lock rate
Est payment: $1,389.35
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Better.com
Better.com
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.000
4.000
USD
Better.com Logo
NMLS # 330511
State Lic # 6052748
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: None
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
3.875
3.875
USD
Republic Bank Logo
NMLS # 402606
(877) 388 - 6768
at 0.000 pts
45 day lock rate
Est payment: $1,410.71
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
3.403
3.250
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 1.100 pts
45 day lock rate
Est payment: $1,305.62
Fees in APR: $2,409
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Better.com
Better.com
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
3.683
3.500
USD
Better.com Logo
NMLS # 330511
State Lic # 6052748
at 1.100 pts
30 day lock rate
Est payment: $1,347.13
Fees in APR: $3,427
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
3.817
3.625
USD
Optimum First Mortgage Inc. Logo
NMLS # 240415
State Lic # 01525044
(844) 365 - 0454
at 1.100 pts
30 day lock rate
Est payment: $1,368.15
Fees in APR: $3,670
 
 
30 yr fixed mtg refi Mortgage Loan from Star One Credit Union
Star One Credit Union
300000
Refinance
4.003
4.000
USD
at 0.000 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $105
 
 
30 yr fixed mtg refi Mortgage Loan from San Diego County Credit Union
San Diego County Credit Union
300000
Refinance
3.803
3.750
USD
at 0.500 pts
60 day lock rate
Est payment: $1,389.35
Fees in APR: $434
 
 
30 yr fixed mtg refi Mortgage Loan from First Tech Credit Union
First Tech Credit Union
300000
Refinance
3.774
3.750
USD
at 0.000 pts
30 day lock rate
Est payment: $1,389.35
Fees in APR: $898
 
 
30 yr fixed mtg refi Mortgage Loan from Schools First FCU
Schools First FCU
300000
Refinance
3.902
3.875
USD
at 0.000 pts
60 day lock rate
Est payment: $1,410.71
Fees in APR: $995
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
3.780
3.750
USD
at 0.000 pts
30 day lock rate
Est payment: $1,389.35
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
4.293
4.250
USD
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.536
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,250
 
 

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.





Mortgage
Purchase and Refinance Fixed Rate/Adjustable Rate Conforming – APR’s are based on a $200,000 loan for a purchase transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio (97% LTV for FHA’s). Rates must be valid for an applicant with a 740 FICO score. Rates are subject to change without notice.
Quotes are for “no cash-out” loans. All quotes are for conforming products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization.

Fixed Rate/Adjustable Rate Jumbo – APR’s are based on a $450,000 loan for a purchase transaction of an owner occupied, single-family residence, and up to 70% loan-to-value ratio. Rates must be valid for an applicant with a 740 FICO score. Rates are subject to change without notice.
Quotes are for “no cash-out” loans. All quotes are for conforming products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization.

Home Equity

Home Equity Loans – Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $50,000 or $50,000+.

Rate Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing.

Conditions “No closing costs” indicates that customer is not required to pay closing costs on the loan. “With closing costs” indicates that customer is required to pay closing costs on the loan. Rates displayed do not include discounts. Rates are subject to change without notice.

Home Equity Line of Credit – Rates are based on a variable rate, second lien revolving home equity line of credit for an owner occupied residence with an 80% loan-to-value ratio for line amounts of $50,000 or $50,000+.

Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing.

Conditions – “No closing costs” indicates that customer is not required to pay closing costs on the line of credit. “With closing costs” indicates that customer is required to pay closing costs on the line of credit. Rates displayed do not include discounts. Rates are subject to change without notice.