Refinance Mortgage, Lowest Mortgage Rates - ERATE
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  Home Loan Rates
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Refinance Mortgage Rates
15 Year Fixed Conforming - $200,000.00
California
AMERICA'S CURRENT MORTGAGE RATES

CaliforniaRefinance Rates15 Year Fixed Conforming

State: Purpose:
Loan Amount:
$
Loan Type: Points:
Mortgage Lenders Payment Mortgage
Rates 		APR Points Fees Lock
(Days) 		Last
Update
Countrywide Home Loans
 $1,607.76 5.250% 5.653% 2.000 $1175 30 05/13/2008
Countrywide Home Loans
 $1,634.17 5.500% 5.747% 1.000 $1175 30 05/13/2008
Countrywide Home Loans
 $1,674.24 5.875% 5.967% 0.000 $1175 30 05/13/2008
National Mortgage Alliance
 $1,607.76 5.250% 5.517% 1.250 $950 30 05/13/2008
National Mortgage Alliance
 $1,634.17 5.500% 5.573% 0.000 $950 30 05/13/2008
National City Mortgage
 $1,634.17 5.500% 5.580% 0.000 $1034 60 05/12/2008
Wells Fargo
 $1,647.46 5.625% 5.741% 0.250 $700 60 05/12/2008
GMAC Mortgage
 $1,701.25 6.125% 6.226% 0.000 $1225 60 05/12/2008
Citibank Mortgage
 $1,660.82 5.750% 5.915% 0.250 $809 60 05/12/2008

Fixed-rate mortgages usually fall into two main types: 15-year and 30-year mortgages. The 15-year fixed-rate mortgage helps keep total interest low by paying down the loan over a shorter time period of 15 years. This mortgage translates into monthly payments that cover principal, or the actual loan, plus interest. Since the interest rate is fixed over the loan’s time period, payments never change. Fifteen-year fixed-rate mortgages, while besting longer-term mortgages in some ways, do have the trade-off of higher mortgage payments per month.
In California a popular program for refinancing is a No Closing Cost Refinance. With the high loan amounts used in California this is especially the case. Ask your lender to quote you a No Closing Cost Mortgage.

Largest Cities in California

Anaheim
Bakersfield
Chula Vista
Concord
Corona
El Monte
Elk Grove
Escondido
Fontana
Fremont

Fresno
Fullerton
Garden Grove
Glendale
Hayward
Huntington Beach
Inglewood
Irvine
Lancaster
Long Beach

Los Angeles
Modesto
Moreno Valley
Oakland
Oceanside
Ontario
Orange
Oxnard
Palmdale
Pasadena

Pomona
Rancho Cucamonga
Riverside
Sacramento
Salinas
San Bernardino
San Diego
San Francisco
San Jose
Santa Ana

Santa Clara
Santa Clarita
Santa Rosa
Simi Valley
Stockton
Sunnyvale
Thousand Oaks
Torrance
Vallejo
Visalia



Informa Research Services, Inc.

The rate information on this page is powered by Informa Research Services, Inc. © 2008. This information has been obtained from various financial institutions, and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data. When contacting financial institutions, always mention Erate.com to ensure you receive the preferred Internet rate. Contact pduncan@informars.com to have your rates included in this chart.

Disclaimer
Fixed Rate Mortgage/Adjustable Rate Mortgage Conforming
   Rates and fees are quoted on a $200,000 loan for a purchase transaction
   of an owner occupied, single-family residence with an 80% loan-to-value ratio.
   Rates are subject to change without notice.

Fixed Rate Mortgage/Adjustable Rate Mortgage Jumbo
   Rates and fees are quoted on a $450,000 loan for a purchase transaction
   of an owner occupied, single-family residence with an 80% loan-to-value ratio.
   Rates are subject to change without notice.

“Are you searching for a loan amount of more than $417,000? Please be aware that recent legislation allows lenders to offer conforming loan rates at a higher loan amount limit based on the county the property is located. For details about the new conforming loan limits, click here.



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