Equal Housing Lender. Copyright 2025 Mark Leaver. All rights reserved. Terms and Conditions of Use. Read our privacy statement. CA Department of Real Estate, real estate broker, license 01006840. NMLS ID# 278620 and 364089. Rates appearing on the Loanlane web site are subject to change and are intended for California owner occupied single family residences only. First position liens only, fully amortizing. Mortgage rates are subject to change without notice. Mortgage rates posted on this web site apply to applicants with a minimum FICO score exceeding 720 and a loan-to-value ratio less than 60%, and require documented income and assets to comply with underwriting requirements. Loan amounts below $250,000 will have additional fees. If your FICO score is below 720, your loan-to-value ratio exceeds 60%, or you are withdrawing equity from your home (i.e. cash-out) your mortgage pricing will be marginally higher due to industry policies. All programs are underwritten to Fannie Mae underwriting guidelines. Not applicable to FHA or VA loans. Some loans may have fee adjustments based on risk factors (FICO score), or the loan size, please ask us for details. Rate locks are not lending contracts and are granted only after the receipt of a fully documented loan application. . All loans displayed on this page have no prepayment penalty, and monthly escrow of property tax and/or insurance is not required if the loan-to-value ratio is less than 80%. Loans exceeding the Fannie Mae high balance limit (changes annually) not available in all California counties, only certain California counties. The information contained herein is believed to be reliable. However, we do not make any representations as to its accuracy or completeness. Any statements nonfactual in nature constitute only current opinions, which are subject to change.