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Mortgage Rates

This page updates daily with our current mortgage rates. Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster way to finance your home. To apply for your easy online loan and get the best mortgage rate, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.


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Conforming Fixed Loan Products (Loan Amounts $417,000 and Under)
Homebuying programs available from Meriwest Mortgage:


Conforming Fixed Loan Products (Loan Amounts $417,000 and Under)

Mortgage Consultants

Our experienced loan consultants can guide you to a loan program that makes the most sense, one that fits your individual financial situation.

Current Home Loan Rates

Conforming Fixed Loan Products (Loan Amounts $453,100 and Under) | Last Updated: 11/15/2018 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
10 Year Fixed
4.375 0 4.728 2060.74
10 Year Fixed
4.250 1 4.811 2048.75
10 Year Fixed
4.000 2 4.763 2024.90
15 Year Fixed
4.500 0 4.748 1529.99
15 Year Fixed
4.375 1 4.768 1517.24
15 Year Fixed
4.125 2 4.657 1491.94
20 Year Fixed
4.875 0 5.075 1306.14
20 Year Fixed
4.750 1 5.065 1292.45
20 Year Fixed
4.500 2 4.925 1265.30
30 Year Fixed
5.000 0 5.149 1073.64
30 Year Fixed
4.875 1 5.108 1058.42
30 Year Fixed
4.750 2 5.066 1043.29

Must conform to agency guidelines.

Conforming ARM Loan Products (Loan Amounts $453,100 and Under) | Last Updated: 11/15/2018 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
3/1 Year ARM***
3.375 0 5.182 884.19
5/1 Year ARM***
3.625 0 5.039 912.10
7/1 Year ARM***
3.875 0 4.959 940.47
10/1 Year ARM***
4.125 0 4.879 969.30

Restriction on Rate and Term Refinance:
Max LTV/CLTV/HCLTV 80%, Max DTI 45%, Minimum Fico 680, Owner Occupied, 1 Unit, Single Family Residence and 6 months reserves (2 of which must be liquid).

Restriction on Purchase Transactions:
Max LTV/CLTV/HCLTV 90%, Max DTI 40%, Minimum Fico 680, Owner Occupied, 1 Unit, Single Family Residence and 6 months reserves (2 of which must be liquid). Mortgage Insurance is required.

High Balance Fixed and ARM Loan Products (Loan Amounts $453,101 to $679,650) | Last Updated: 11/15/2018 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
15 Year Fixed
5.500 0 5.665 3415.41
30 Year Fixed
5.250 0 5.344 2308.21
3/1 Year ARM***
3.500 0 5.144 1877.01
5/1 Year ARM***
3.750 0 5.016 1935.82
7/1 Year ARM***
4.000 0 4.948 1995.60
10/1 Year ARM***
4.250 0 4.886 2056.31
15 Year Fixed Agency
4.500 0 4.648 3197.67
30 Year Fixed Agency
5.250 0 5.344 2308.21

High balance fixed agency products must conform to agency guidelines.

Restriction on Rate and Term Refinance:
Max LTV/CLTV/HCLTV 80%, Max DTI 45%, Minimum Fico 680, Owner Occupied, 1 Unit, Single Family Residence and 6 months reserves (2 of which must be liquid).

Restriction on Purchase Transactions:
Max LTV/CLTV/HCLTV 90%, Max DTI 40%, Minimum Fico 680, Owner Occupied, 1 Unit, Single Family Residence and 6 months reserves (2 of which must be liquid). Mortgage Insurance is required.

Jumbo Fixed and ARM Products (Loan Amounts $679,651 to $1M) Last Updated: 11/15/2018 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
15 Year Fixed
4.125 0 4.234 5444.07
30 Year Fixed
4.625 0 4.692 3752.19
3/1 Year ARM***
3.625 0 5.147 3328.26
5/1 Year ARM***
3.875 0 5.032 3431.79
7/1 Year ARM***
4.125 0 4.977 3536.97
10/1 Year ARM***
4.375 0 4.932 3643.78

Restriction on Rate and Term Refinance:
Max LTV/CLTV/HCLTV 80%, Max DTI 45%, Minimum Fico 740, Owner Occupied, 1 Unit, Single Family Residence and 6 months reserves (2 of which must be liquid).

Restriction on Purchase Transactions:
Max LTV/CLTV/HCLTV 90%, Max DTI 40%, Minimum Fico 740, Owner Occupied, 1 Unit, Single Family Residence and 6 months reserves (2 of which must be liquid). Mortgage Insurance is required.

Jumbo Fixed and ARM Products (Loan Amounts $1M to $2M) | Last Updated: 11/15/2018 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
15 Year Fixed
4.250 0 4.361 5490.13
30 Year Fixed
4.750 0 4.818 3806.98
3/1 Year ARM***
3.750 0 5.170 3379.82
5/1 Year ARM***
4.000 0 5.068 3484.18
7/1 Year ARM***
4.250 0 5.026 3590.18
10/1 Year ARM***
4.500 0 4.998 3697.79

Restriction on Rate and Term Refinance:
Max LTV/CLTV/HCLTV 80%, Max DTI 45%, Minimum Fico 740, Owner Occupied, 1 Unit, Single Family Residence and 6 months reserves (2 of which must be liquid).

Restriction on Purchase Transactions:
Max LTV/CLTV/HCLTV 90%, Max DTI 40%, Minimum Fico 740, Owner Occupied, 1 Unit, Single Family Residence Max Loan Amount is $1.5M and 6 months reserves (2 of which must be liquid). Mortgage Insurance is required.



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* The Annual Percentage Rate (APR) and Principal and Interest payments for owner-occupied first trust deeds in this disclosure are based on a $200,000 loan amount for conforming loans, $418,000 for jumbo ARM, $418,000 for high balance loans and $729,800 for jumbo fixed loans for the stated term including applicable points and customary closing costs. Loan amounts are calculated with 20% down payment. Loan to values greater than 80% may require mortgage insurance. Interest rate may increase after consummation. Other conditions and restrictions may apply.

** Principal & Interest Payments: Taxes and Insurance not included

*** All Adjustable Rate Mortgage (ARM) loans have a 30 year amortization unless otherwise noted. ARM rates are subject to change after loan closing. The APR for adjustable rate first mortgages in this disclosure is based on the 1 year U.S. dollar-denominated deposits in the London Market (LIBOR), as published in The Wall Street Journal. After the fixed rate period, the rate will be based on the current index plus the margin which is 2.25%. The interest rate will adjust annually after initial term.

Loan Level Price Adjustments may apply based upon certain eligibility or other loan features such as credit score, loan purpose, occupancy, number of units, product type etc.

The rates listed above are for informational purposes only. They fluctuate with the market and are not guaranteed without a valid rate lock. Rates and terms are subject to change without notice.

Today's rates are posted on this page between 9:00 - 10:30AM PT. If yesterday's date is listed as the effective date, the rates reflected here are unavailable. If you wish to lock your interest rate for a current application, refer to the "Rates" section under "Rate Lock" for details.

The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type of amount for which you may qualify.

Loans on second homes, investment properties and properties up to 4 units are also available.

Meriwest Mortgage Company, LLC is licensed in California by the Department of Business Oversight, License #4150034; and in Arizona by the Arizona State Banking Department, License #BK0904975. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Membership with Meriwest Credit Union may be required with a one-time, non-refundable $5 fee. Meriwest Credit Union is Federally Insured by NCUA.