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Competitive Rates with Local, San Diego Service

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Loan Rate Fees APR as low as
HELOC: Introductory Rate 7.99% $0 7.99%
HELOC: Interest Only 10.25% $0 10.25%

All rates and APRs are for illustrative purposes only. Subject to change without notice. Advertised as low as APRs are based on assumptions. Not all applicants will qualify for the lowest rate/APR. Actual rate will vary depending on your creditworthiness, loan amount, LTV, and other factors specific to your transaction. Other rates and terms may be available.

Mortgage:
For current rates and payment examples, please refer to our Daily Mortgage Rates page. Monthly payments do not include property taxes or insurance, your payment will be higher. APRs assume the purchase of a single family, primary residence in California, a credit score of at least 740, and a combined LTV of 60% or less. For borrowers with less than a 20% down payment, mortgage insurance is required. Maximum loan amounts range from $647,200 to $3,000,000, depending on loan program.

30 Year Fixed (Conforming/Jumbo): Fixed monthly principal and interest payments for life of the loan.

5/5 Adjustable-Rate Mortgage (ARM): Variable rate loan, interest and payments may increase after consummation. For the first 5 years, rate is fixed. After that, rate will adjust according to the current index plus a margin of 2% every 5 years for the life of the loan.

3/1 Adjustable-Rate Mortgage (ARM): Variable rate loan, interest and payments may increase after consummation. For the first 3 years, rate is fixed. After that, rate will annually adjust according to the current index plus a margin of 2% for the life of the loan.

Fixed Rate 2 nd TD 10 Year/ 15 Year: Fixed monthly principal and interest payments for life of the loan.

Home Equity Loans/Lines of Credit:
APRs assume a minimum credit score of at least 720, and a combined LTV (CLTV) of less than 90% for a home equity loan and a combined LTV of less than 70% for a HELOC.

Introductory HELOC: 25-year term (10 year draw, 15 year repayment). Fixed intro rate for the first 12 months. After that, rate is variable and may adjust monthly after account opening. Maximum credit line of $300,000. Floor rate is 3.99%. Maximum APR is 18.00%.

Interest Only HELOC: Variable rate product, interest and payments may increase after consummation. Interest only payments for first 10 years, fully amortized principal and interest payments for the remaining term. Maximum credit line of $300,000. Floor rate is 3.99%. Maximum APR is 18.00%.

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