Lower your mortgage loan payment
Need to refinance in this tough market? You have more options than you might think. Talk to a CU SoCal Mortgage Loan Originator today so we can learn about your big picture and what you're trying to achieve. Call us at 800.698.7196 and let's discuss how CU SoCal can help you meet your financial needs with a refinanced mortgage.
Rates
View All RatesThe payment amount displayed by this calculator is an estimate only and not an actual loan payment.
Key Advantages
Jumbo financing for your dream home
We have your financing covered no matter how large your current mortgage is. Get financing up to $3 million for just about any size home or property.
Low lender fees
Saving you as much as $400 over other lenders, our low, flat origination fee is another example of how CU SoCal brings affordability to the mortgage process. As a not-for-profit credit union, we are committed to saving you money during your homebuying journey.
5/5 adjustable-rate mortgage
Get an adjustable-rate mortgage with a low, fixed rate for the first five years to save you even more money. After that, the rate adjusts every five years by a small percentage according to market changes.
Learn More
Interest only adjustable-rate mortgage
Skip the principal and make only interest payments for the initial period of the loan for a low monthly payment. Interest only ARMs are a rare find in the current market!
Learn MoreMaximize your mortgage savings
If you need to refinance in this tough market, know that you still have options. Speak to a CU SoCal Mortgage Loan Originator to learn how we can help. Call us at 800.698.7196.
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- The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance. 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. Estimated payment is $4.21 per $1,000 borrowed for 60 months for a 30-year term. Payment example does not include cost of property taxes or insurance, so the actual payment obligation may be greater. Rates and programs are subject to change without notice. Rate is subject to increase. Existing CU SoCal mortgage loans are ineligible for 2.990% rate. Member must credit qualify.
Credit Union of Southern California NMLS #454788
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda).
Fixed-Rate Conforming Mortgage
| Product | Interest Rate | Points | APR* | Est. Payment per $1,000 |
|---|---|---|---|---|
|
Product:
10-Year Fixed |
Interest Rate:
6.625% |
Points: 0 |
APR*:
6.729% |
Est. Payment per $1,000:
$11.42 |
|
Product:
15-Year Fixed |
Interest Rate:
6.875% |
Points: 0 |
APR*:
6.949% |
Est. Payment per $1,000:
$8.92 |
|
Product:
20-Year Fixed |
Interest Rate:
7.1250% |
Points: 0 |
APR*:
7.185% |
Est. Payment per $1,000:
$7.83 |
|
Product:
30-Year Fixed |
Interest Rate:
7.375% |
Points: 0 |
APR*:
7.422% |
Est. Payment per $1,000:
$6.91 |
Rates Effective as of: January 22, 2025
The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history and underwriting criteria. The rates and terms above are subject to change without notice. For a personalized rate quote, please call our home loan specialists at 800.698.7196.
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