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Home loans are available on residential zoned properties located in California. All applications are subject to lending criteria approval including, but not limited to, credit history, property approval, and loan to value.
The Annual Percentage Rates (APRs) presented are for owner-occupied properties. These rates are those extended to our most creditworthy applicants. The APRs reflect fees of $378, which consist of $18 for flood determination, $60 for tax service, and a $300 processing fee. The APRs also reflect any points (including origination and discount fees) listed. All rates, terms and conditions presented are effective 7/3/09 and are subject to change without notice.
Flood, property hazard and/or mortgage insurance may be required and may result in a higher APR. If the loan includes an escrow impound account, any changes to the cost of real estate taxes and insurance may affect the total monthly payment amount.
Please call the Real Estate Department at (858) 495-3400 for specific program terms, features and restrictions or for information about other available rates and programs.
Fixed Rate Mortgages
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| Interest-Only |
5.875% - 9.625% |
0.000% |
5.882% - 9.633% |
$4.90 - $8.02 |
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 Payments are interest-only for the first three years before beginning full repayment (principal and interest) for the remaining term of the loan. Maximum term is 30 years. *.50% will be added to the interest rate for any loan amount in excess of $417,000. Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.
 A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate. A Minimum loan amount of $200,000 is required. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. Other restrictions apply. Please contact us for further information. | |
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| 30 Year Fixed |
5.875% - 9.625% |
0.000% |
5.885% - 9.636% |
$5.92 - $8.50 |
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| |
5.750% - 9.500% |
0.375% |
5.794% - 9.554% |
$5.84 - $8.41 |
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| |
5.625% - 9.375% |
1.000% |
5.727% - 9.501% |
$5.76 - $8.32 |
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| 20 Year Fixed |
5.875% - 9.375% |
0.000% |
5.888% - 9.388% |
$7.09 - $9.24 |
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5.750% - 9.250% |
0.375% |
5.809% - 9.316% |
$7.02 - $9.16 |
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5.625% - 9.125% |
1.000% |
5.761% - 9.280% |
$6.95 - $9.08 |
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| 15 Year Fixed |
5.375% - 9.000% |
0.000% |
5.391% - 9.016% |
$8.10 - $10.14 |
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5.250% - 8.875% |
0.375% |
5.324% - 8.954% |
$8.04 - $10.07 |
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| |
5.125% - 8.750% |
1.000% |
5.295% - 8.936% |
$7.97 - $9.99 |
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| 10 Year Fixed |
5.125% - 8.625% |
0.000% |
5.148% - 8.646% |
$10.67 - $12.47 |
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5.000% - 8.500% |
0.375% |
5.105% - 8.608% |
$10.61 - $12.40 |
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4.875% - 8.375% |
1.000% |
5.116% - 8.629% |
$10.55 - $12.33 |
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*.50% will be added to the interest rate for any loan amount in excess of $417,000. Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.
A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate. A Minimum loan amount of $200,000 is required. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. Other restrictions apply. Please contact us for further information. | |
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| Max Loan to $4,000,000 |
Rate |
Points |
APR |
Per $1,000 |
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| 30 Year Fixed |
7.375% - 11.125% |
0.000% |
7.383% - 11.133% |
$6.91 - $9.62 |
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| |
7.250% - 11.000% |
0.375% |
7.295% - 11.056% |
$6.82 - $9.52 |
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7.125% - 10.875% |
1.000% |
7.233% - 11.010% |
$6.74 - $9.43 |
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| 20 Year Fixed |
7.375% - 10.875% |
0.000% |
7.385% - 10.885% |
$7.98 - $10.24 |
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| |
7.250% - 10.750% |
0.375% |
7.309% - 10.816% |
$7.90 - $10.15 |
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7.125% - 10.625% |
1.000% |
7.266% - 10.786% |
$7.83 - $10.07 |
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| 15 Year Fixed |
6.875% - 10.500% |
0.000% |
6.887% - 10.512% |
$8.92 - $11.05 |
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| |
6.750% - 10.375% |
0.375% |
6.822% - 10.454% |
$8.85 - $10.98 |
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| |
6.625% - 10.250% |
1.000% |
6.797% - 10.440% |
$8.78 - $10.90 |
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| 10 Year Fixed |
6.625% - 10.125% |
0.000% |
6.642% - 10.141% |
$11.42 - $13.28 |
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| |
6.500% - 10.000% |
0.375% |
6.601% - 10.105% |
$11.35 - $13.22 |
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6.375% - 9.875% |
1.000% |
6.616% - 10.131% |
$11.29 - $13.15 |
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| A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate. A Minimum loan amount of $200,000 is required. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. Other restrictions apply. Please contact us for further information. | |
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| Conforming |
5.875% - 10.125% |
0.000% |
5.885% - 10.136% |
$5.92 - $8.87 |
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| |
5.750% - 10.000% |
0.375% |
5.794% - 10.056% |
$5.84 - $8.78 |
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| |
5.625% - 9.875% |
1.000% |
5.727% - 10.005% |
$5.76 - $8.68 |
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| Jumbo |
7.375% - 11.625% |
0.000% |
7.383% - 11.634% |
$6.91 - $10.00 |
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| |
7.250% - 11.500% |
0.375% |
7.295% - 11.557% |
$6.82 - $9.90 |
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| |
7.125% - 11.375% |
1.000% |
7.233% - 11.514% |
$6.74 - $9.81 |
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Maximum term is 30 years. *.50% will be added to the interest rate for any loan amount in excess of $417,000. Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.
A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate. A Minimum loan amount of $200,000 is required. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. Other restrictions apply. Please contact us for further information. | |
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Variable Rate Mortgages
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| 3/27 Adjustable Rate |
5.375% - 9.125% |
0.000% |
5.832% - 9.583% |
$5.60 - $8.14 |
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Maximum term is 30 years. *.50% will be added to the interest rate for any loan amount in excess of $417,000. Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.
The interest rate is fixed for the first three years prior to a one time increase of .50% for the remaining term of the loan. Lender pays non-recurring closing costs, which include all lender costs except prepaid interest and impounds. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. | |
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Fixed Rate Second Mortgages/Home Equity Loans
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| Home Improvement |
10.500% |
0.000% |
10.668% |
$11.05 |
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| 15 Year Fixed. Max Loan $35,000. No Equity Required. | |
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Home Equity Lines of Credit
The above Home Equity Line of Credit products are only available for owner-occupied
1-family and condominium units.
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