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Home Loan Rates

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Conforming Fixed-Rate Mortgages

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Term Rate APR Points
5-year Fixed - TermBuster 5.625% 5.623% 0.000%
7-year Fixed - Termbuster 5.750% 5.749% 0.000%
10-year Fixed - TermBuster 5.875% 5.874% 0.000%
15-year Fixed 5.875% 6.017% 0.125%
20-year Fixed 6.250% 6.380% 0.250%
30-year Fixed 6.500% 6.576% 0.000%

Jumbo Fixed-Rate Mortgages

 

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Term Rate APR Points
15-year Jumbo Fixed 5.875% 5.983% 0.125%
20-year Jumbo Fixed 6.250% 6.353% 0.250%
30-year Jumbo Fixed 6.500% 6.555% 0.000%

Conforming Adjustable-Rate Mortgages

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Term Rate APR Points
5/5 ARM 5.625% 6.227% 0.000%
5/1 ARM 5.500% 6.178% 0.000%
7/1 ARM 6.000% 6.316% 0.000%

Jumbo Adjustable-Rate Mortgages

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Term Rate APR Points
5/5 Jumbo ARM 5.625% 6.206% 0.000%
5/1 Jumbo ARM 5.500% 6.157% 0.000%
7/1 Jumbo ARM 6.000% 6.295% 0.000%

Home Equity Line of Credit

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Term Rate APR Points
Equity Advantage Line of Credit 6.750% 6.750% 0.000%

Home Equity Loans

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Term Rate APR Points
10-year Home Equity Loan 7.000% 7.000% 0.000%
15-year Home Equity Loan 7.500% 7.500% 0.000%
20-year Home Equity Loan 7.875% 7.875% 0.000%

APR=Annual Percentage Rate. Rates and terms as of 04/30/2026 based on credit history, subject to credit approval, and subject to change without notice. Loans over 80% LTV require mortgage insurance. Payment examples do not include property insurance and taxes, and the payment will be higher than disclosed payments. Some loans are available for second homes and investment properties in CA at different rates and terms. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply.   

  1. 5-year Conforming Fixed - Termbuster Mortgage estimated monthly payments.
  2. 7-year Conforming Fixed - Termbuster Mortgage estimated monthly payments.
  3. 10-year Conforming Fixed - Termbuster Mortgage estimated monthly payments.
  4. 15-year Conforming Fixed Mortgage estimated monthly payments.
  5. 20-year Conforming Fixed Mortgage estimated monthly payments.
  6. 30-year Conforming Fixed Mortgage estimated monthly payments.
  7. 15-year Jumbo Fixed Mortgage estimated monthly payments.
  8. 20-year Jumbo Fixed Mortgage estimated monthly payments.
  9. 30-year Jumbo Fixed Mortgage estimated monthly payments.
  10. 5/5 Conforming ARM estimated monthly payments.
  11. 5/1 Conforming ARM estimated monthly payments.
  12. 7/1 Conforming ARM estimated monthly payments.
  13. 5/5 Jumbo ARM estimated monthly payments.
  14. 5/1 Jumbo ARM estimated monthly payments.
  15. 7/1 Jumbo ARM estimated monthly payments.
  16. Equity Advantage Line of Credit terms and conditions. 
  17. 10-year Home Equity Loan estimated monthly payments.
  18. 15-year Home Equity Loan estimated monthly payments.
  19. 20-year Home Equity Loan estimated monthly payments.

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