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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.


Current Home Loan Rates

Conforming Fixed Loan Products (Loan Amounts $484,350 and Under) | Last Updated: 03/20/2019 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
10 Year Fixed
3.750 0 4.088 2001.22
10 Year Fixed
3.625 1 4.169 1989.45
10 Year Fixed
3.375 2 4.119 1966.03
15 Year Fixed
3.750 0 3.983 1454.44
15 Year Fixed
3.625 1 4.000 1442.07
15 Year Fixed
3.375 2 3.887 1417.52
20 Year Fixed
4.125 0 4.313 1225.17
20 Year Fixed
4.000 1 4.299 1211.96
20 Year Fixed
3.750 2 4.156 1185.78
30 Year Fixed
4.375 0 4.514 998.57
30 Year Fixed
4.250 1 4.471 983.88
30 Year Fixed
3.875 2 4.169 940.47

Must conform to agency guidelines.

Conforming ARM Loan Products (Loan Amounts $484,350 and Under) | Last Updated: 03/20/2019 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
3/1 Year ARM***
3.125 0 4.892 856.75
5/1 Year ARM***
3.125 0 4.679 856.75
7/1 Year ARM***
3.250 0 4.528 870.41
10/1 Year ARM***
3.375 0 4.334 884.19

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 $484,351 to $726,525) | Last Updated: 03/20/2019 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
15 Year Fixed
3.875 0 4.013 3065.78
30 Year Fixed
4.375 0 4.458 2087.01
3/1 Year ARM***
3.250 0 4.855 1819.16
5/1 Year ARM***
3.250 0 4.658 1819.16
7/1 Year ARM***
3.375 0 4.519 1847.96
10/1 Year ARM***
3.500 0 4.343 1877.01
15 Year Fixed Agency
3.875 0 4.013 3065.78
30 Year Fixed Agency
4.375 0 4.458 2087.01

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 $726,526 to $1M) Last Updated: 03/20/2019 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
15 Year Fixed
3.625 0 3.727 5262.13
30 Year Fixed
4.125 0 4.187 3536.97
3/1 Year ARM***
3.375 0 4.859 3226.42
5/1 Year ARM***
3.375 0 4.675 3226.42
7/1 Year ARM***
3.500 0 4.550 3277.13
10/1 Year ARM***
3.625 0 4.392 3328.26

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: 03/20/2019 (Call 800-364-6636 to confirm current rate.)
Descriptions Rates Points APR* Payments**
15 Year Fixed
3.750 0 3.854 5307.27
30 Year Fixed
4.250 0 4.313 3590.18
3/1 Year ARM***
3.500 0 4.881 3277.13
5/1 Year ARM***
3.500 0 4.711 3277.13
7/1 Year ARM***
3.625 0 4.599 3328.26
10/1 Year ARM***
3.750 0 4.458 3379.82

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.