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Current Mortgage Rates and Home Loans
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- Your personal loan request is shown below. Save this request so you can return later.
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Loan Purpose
Zip code
Purchase price
Down payment
Estimated property value
What's this?Current balance
What's this?Close- Current mortgage balance
- A mortgage balance is the amount owed on your mortgage. It is the difference between the original amount borrowed and the money you have paid toward the principal so far. Contact your lender to find out your outstanding balance.
Desired loan amount
What's this?Close- Desired loan amount
- Enter the amount of money you would like to take out.
Cash out
What's this?Close- Cash out
- Enter the amount of additional cash you would like to take out.
Cash-out refinancing means you refinance your mortgage for more than is currently owed, then you use the difference to pay for things such as home improvements, buying a car, paying for school, and vacations, just to name a few.
Credit score
What's this?Close- Credit Score
If you are applying with a co-borrower, the credit score should be the lowest credit score between the two borrorwers.
Estimate your credit score
Annual income
What's this?Close- Combined Annual Income
- Include all of you and your co-borrower's annual income before taxes, including:
- Annual base salary (before taxes and expenses are deducted)
- Any recurring commissions, bonuses, overtime, and tips that you expect to continue
- Rental income, stock dividends, investment income, etc.
- Any alimony/child support payments you receive
Monthly debts
What's this?Close- Combined Monthly Debts
- Include all of you and your co-borrower's monthly debts, including: Include:
- Minimum credit card payments
- Car payments
- Student loans
- Alimony/child support payments
- Any house payments (rent or mortgage) other than the new mortgage you are seeking
- Rental property maintenance
- Other personal loans with periodic payments
- Credit card balances that you pay off in full each month
- Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking
- The new mortgage you are seeking
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- Are you or your co-borrower eligible for VA loans?
- You can check your eligibility and learn more about VA loans on the Department of Veterans Affairs Web site.
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- Have you or your co-borrower used your eligibility before?
- Eligibility is reusable depending on your circumstances but may affect your fees. To learn more about eligibility, see the VA FAQ page.
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- Do you or your co-borrower have any VA related disabilities?
- Having service-related disabilities may exempt you from having to pay a VA funding fee.
Type of veteran
What's this?Close- Type of veteran
- Funding fees can vary based on your type of service and down payment.
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- Are you or your co-borrower a first time buyer?
- Lenders sometimes offer special loan programs to first-time homebuyers.
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- Have you or your co-borrower declared bankruptcy in the last 7 years?
- Bankruptcy is the legal process in which a person declares their inability to pay off their debts. Bankruptcy does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
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- Have you or your co-borrower been foreclosed on in the last 7 years?
- Foreclosure is a legal process by which a bank or lender sells or repossesses a mortgaged property because the borrower could not pay the loan. Foreclosure does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
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- Are you or your co-borrower self-employed?
- Self-employment loans are typically harder to get and require more documentation. Notice that by selecting self-employed we also ask for your assets.
Assets
What's this?Close- Assets
- Your assets and debts will be combined with that of the co-borrower, so any shared assets or debts can be listed under either borrower.
Real estate assets are the total equity you have in any real estate you own. Use the fair market value minus your remaining mortgage balance to get the equity total. (e.g., $250,000 fair market value minus a mortgage balance of $100,000 = $150,000 in equity)
Property type
How is home used?
What's this?Close- Home Use
- Different loan programs are offered, depending on how the property will be used. For example, a loan for a rental property is more expensive than a primary residential mortgage because lenders believe investors are more likely to walk away from a rental than they are from their own home.
Year property purchased
What's this?Close- Year property purchased
- What year did you purchase the property?
Current loan program
Current loan originated
Current interest rate
Desired loan programs?
Desired loan programs?
What's this?Close- Loan Programs
- Fixed home equity A home equity loan is a fixed-rate second mortgage designed to tap into the equity that has built up because a property appreciated, the first mortgage principal has been paid down, or both. Adjustable HELOC HELOC stands for home equity line of credit. It is a second mortgage with an adjustable rate. The concept of HELOC is similar to a credit card in which you can borrow up to a certain amount of money within a certain amount of time.
Learn more about home equity loans.
Reason for refinancing
Close- Estimate the home's value
3.642
2.929
2.586
3.500
2.750
2.500
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The current rate is calculated as an average of quotes given in Zillow Mortgage Marketplace. Create a loan request and get your own instant, personalized quotes. You already may qualify for a much lower rate.
CA Mortgage Rate Trends
- What's this?Close
Rates displayed in Zillow Mortgage Marketplace rate charts and graphs are based on quotes for borrowers with a credit score over 720 who requested a conventional, fully-amortized loan for an owner-occupied, single family residence with a maximum loan-to-value ratio of 80% and a loan amount between $200,000 and $417,000. Learn more about our rates.
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Points What's this?
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- Points
- Points are fees you are willing to pay to get a lower interest rate. The number of points refers to the percentage of the loan amount that you would pay. For example, "1 point" means a charge of 1% of the loan amount.
3.459%APR3.250%Rate 30 year fixed$1,044/mo$6,779 in Fees View Details |
3.510%APR3.375%Rate 30 year fixed$1,061/mo$4,482 in Fees View Details |
3.516%APR3.250%Rate 30 year fixed$1,044/mo$8,537 in Fees View Details |
3.563%APR3.375%Rate 30 year fixed$1,061/mo$6,140 in Fees View Details |
3.574%APR3.375%Rate 30 year fixed$1,061/mo$6,437 in Fees View Details |
3.620%APR3.500%Rate 30 year fixed$1,078/mo$4,040 in Fees View Details |
3.631%APR3.625%Rate 30 year fixed$1,095/mo$609 in Fees View Details |
3.675%APR3.625%Rate 30 year fixed$1,095/mo$1,908 in Fees View Details |
3.691%APR3.625%Rate 30 year fixed$1,095/mo$2,348 in Fees View Details |
3.706%APR3.625%Rate 30 year fixed$1,095/mo$2,854 in Fees View Details |
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California mortgage rates go down to 3.72%
California — Monday, January 30, 2012
Zillow Mortgage Marketplace's current mortgage rates in California for 30-year fixed-rate mortgages dropped 1 basis points from 3.73% to 3.72% on Monday. State mortgage rates today ranged from the lowest rate of 3.52% (ID) to the highest rate of 3.74% (AZ). California mortgage rates today are 5 basis points higher than the national average of 3.67%.
The California mortgage interest rate on January 30, 2012, is down 4 basis points from last week's average California rate of 3.76%.
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