Woman working on home
Julia H., Special Effects Technician

Fixed Rate Mortgage

Secure & Save

Find the perfect home with a fixed rate.

Buy a home with confidence.

With a fixed rate mortgage, you can rest assured knowing that your monthly payments will remain consistent throughout the life of the loan, allowing you to plan your finances.

Experience the magic of homeownership.

Bill Pay

Bugeting Made Easy

With a locked-in interest rate, you can create a stable financial plan that aligns with your income and expenses.

Bill

Predictable Payments

No more worrying about fluctuating interest rates and unexpected changes in your monthly payments.

Shield

Market Changes

While market conditions may fluctuate, your interest rate remains locked in for the entire duration of your loan.

Mobile Phone

Long-term Savings

This predictability allows you to save and invest with confidence, knowing that your mortgage payments won’t unexpectedly increase over time.

Get today’s best rate.

Fixed and Adjustable Rate Mortgages

Term

Rate

APR*

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.

*APR – Annual Percentage Rate The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan) and adjusts the interest rate on your note.

Term

30 YEAR FIXED

Rate

6.750%

APR*

6.809%

Term

30 YEAR FIXED JUMBO

Rate

6.750%

APR*

6.787%

Term

15 YEAR FIXED

Rate

6.375%

APR*

6.469%

Term

10/1 ARM

Rate

7.125%

APR*

7.349%

Term

7/1 ARM

Rate

7.000%

APR*

7.354%

Term

5/5 ARM

Rate

6.875%

APR*

6.710%

Term

5/1 ARM

Rate

6.750%

APR*

7.326%

Term

3/3 ARM

Rate

6.625%

APR*

6.776%

Fixed and Adjustable Rate Mortgages

Term

Rate

APR*

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.

*APR – Annual Percentage Rate The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan) and adjusts the interest rate on your note.

Term

30 YEAR FIXED

Rate

6.750%

APR*

6.809%

Term

30 YEAR FIXED JUMBO

Rate

6.750%

APR*

6.787%

Term

15 YEAR FIXED

Rate

6.375%

APR*

6.469%

Term

10/1 ARM

Rate

7.125%

APR*

7.349%

Term

7/1 ARM

Rate

7.000%

APR*

7.354%

Term

5/5 ARM

Rate

6.875%

APR*

6.710%

Term

5/1 ARM

Rate

6.750%

APR*

7.326%

Term

3/3 ARM

Rate

6.625%

APR*

6.776%

Home Equity Line of Credit (HELOC)

Type of Ownership 

Maximum CLTV

Interest Rate

Loan Amount

Maximum Years to Pay

Annual Percentage Rates and terms subject to change without notice. All loans are subject to credit, income, and collateral approval.
Combined Loan to value (CLTV) – 1st mortgage balance and new HELOC loan amount Prime Rate is based on that published by the Wall Street Journal.
Alternative rates and terms apply depending on applicant’s credit and collateral qualifications.

Type of Ownership 

Owner Occupied 60%

Maximum CLTV

Maximum 60%

Interest Rate

9.00%

Loan Amount

$25,000-$500,000

Maximum Years to Pay

10 year draw/15 year repayment

Type of Ownership 

Owner Occupied 70%

Maximum CLTV

Maximum 70%

Interest Rate

9.24%

Loan Amount

$25,000-$500,000

Maximum Years to Pay

10 year draw/15 year repayment

Type of Ownership 

Owner Occupied 80%

Maximum CLTV

Maximum 80%

Interest Rate

9.50%

Loan Amount

$25,000-$500,000

Maximum Years to Pay

10 year draw/15 year repayment

Type of Ownership 

Owner Occupied 90%

Maximum CLTV

Maximum 90%

Interest Rate

9.74%

Loan Amount

$25,000-$250,000

Maximum Years to Pay

10 year draw/15 year repayment

Type of Ownership 

Non-Owner Occupied (Investment)

Maximum CLTV

Maximum 60%

Interest Rate

11.50%

Loan Amount

$25,000-$250,000

Maximum Years to Pay

10 year draw/15 year repayment

Home Equity Fixed Rate

Type of Ownership

Interest Rate

APR*

Maximum CLTV**

Loan Amount

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a 45 day Locked Commitment. APR examples above are based on an owner-occupied, detached single family residence, loan amount of $200,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 45-day lock commitment. Disclosed APR includes 15 days of estimated prepaid interest.

*APR – Annual Percentage Rate- The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees.

** Combined Loan to value (CLTV) All second liens greater than 80% are limited to Owner Occupied transactions.

Type of Ownership

Owner Occupied 60%

Interest Rate

7.500%

APR*

7.536%

Maximum CLTV**

Maximum 60%

Loan Amount

$45,000-$500,000

Type of Ownership

Owner Occupied 70%

Interest Rate

7.500%

APR*

7.551%

Maximum CLTV**

Maximum 70%

Loan Amount

$45,000-$500,000

Type of Ownership

Owner Occupied 80%

Interest Rate

7.500%

APR*

7.551%

Maximum CLTV**

Maximum 80%

Loan Amount

$45,000-$500,000

Type of Ownership

Owner Occupied 90%

Interest Rate

8.500%

APR*

8.560%

Maximum CLTV**

Maximum 90%

Loan Amount

$45,000-$250,000

Type of Ownership

Non-Owner Occupied (Investment) 60%

Interest Rate

8.500%

APR*

8.560%

Maximum CLTV**

Maximum 60%

Loan Amount

$45,000-$250,000

Meet the team

Real Estate Loan Consultant headshot

Edward Chou

A-List, Burbank, Paramount
Real Estate Loan Consultant headshot

Vytas Keblys

Hollywood, Warner Bros., Studio City
Real Estate Loan Consultant headshot

Jacquelyn Payton

Santa Clarita, Culver City, Sony

For mortgage applications in process, please click here to login to your application portal.

Apply for a Fixed Rate Mortgage today.

Apply Online
Apply Now

Disclosures

Equal House Lender