Jumbo Home Loans

Our Jumbo Loan rates have never been lower!* Learn more

Dream Home - Bay Fed Jumbo Loans
Conforming - Fixed Rate
Rates Effective: 11/25/2022
ProductRatePointsAPRPayments
30 YEAR FIXED6.500%0.0006.621%$2,528
20 YEAR FIXED6.125%0.0006.281%$2,895
15 YEAR FIXED5.875%0.0006.069%$3,348
10 YEAR FIXED5.625%0.0005.898%$4,366
Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $400,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.
Conforming - Adjustable Rate
Rates Effective: 11/25/2022
ProductRatePointsAPRPayments
10/6MO ARM SOFR5.875%0.0005.904%Payments
Monthly PaymentsAmount
Year 1$2,366
Year 11$3,424
7/6MO ARM SOFR5.750%0.0005.803%Payments
Monthly PaymentsAmount
Year 1$2,334
Year 8$3,512
5/5 ARM SOFR5.625%0.0005.739%Payments
Monthly PaymentsAmount
Year 1$2,303
Year 6$2,800
5/6MO ARM SOFR5.625%0.0005.739%Payments
Monthly PaymentsAmount
Year 1$2,303
Year 6$2,800
Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $400,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.

5/6, 7/6 and 10/6 ARM rates are variable, may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR) with a margin of 2.50%. ARM loans are amortized over a 30-year term. 5/6 ARMs are fixed for the first 5 years, subject to change every 6 months thereafter. 7/6 ARMs are fixed for the first 7 years, subject to change every 6 months thereafter. 10/6 ARMs are fixed for the first 10 years, subject to change every 6 months thereafter. 5/5 ARM rate is variable, may increase or decrease during the life of the loan, and is indexed to the 30-day Average SOFR with a margin of 2.50%. The 5/5 ARM loan is amortized over a 30-year term. The rate is fixed for the first 5 years, subject to change every 5 years thereafter.

Mobile - Fixed Rate
Rates Effective: 11/25/2022
ProductRatePointsAPRPayments
20 YEAR FIXED COOP7.250%1.5007.725%$2,371
15 YEAR FIXED COOP7.000%1.5007.584%$2,696
10 YEAR FIXED COOP6.750%1.5007.561%$3,445
20 YEAR FIXED LEASED LAND8.250%1.5008.745%$2,556
15 YEAR FIXED LEASED LAND8.000%1.5008.602%$2,867
10 YEAR FIXED LEASED LAND7.750%1.5008.577%$3,600
Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $300,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.
Jumbo - Fixed Rate
Rates Effective: 11/25/2022
ProductRatePointsAPRPayments
30 YEAR FIXED6.000%0.0006.055%$5,996
15 YEAR FIXED5.875%0.0005.967%$8,371
Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $1,000,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.
Jumbo - Adjustable Rate
Rates Effective: 11/25/2022
ProductRatePointsAPRPayments
10/6MO ARM SOFR5.375%0.0005.515%Payments
Monthly PaymentsAmount
Year 1$5,600
Year 11$8,253
7/6MO ARM SOFR5.250%0.0005.489%Payments
Monthly PaymentsAmount
Year 1$5,522
Year 8$8,534
5/5 ARM SOFR5.125%0.0005.486%Payments
Monthly PaymentsAmount
Year 1$5,445
Year 6$6,823
5/6MO ARM SOFR5.125%0.0005.484%Payments
Monthly PaymentsAmount
Year 1$5,445
Year 6$6,822
Rates shown are for informational purposes only. Rate examples are based on a single-family detached property with a minimum credit score of 740, 60% loan-to-value (LTV), owner-occupied property located in California with a qualified borrower with a total loan amount of $1,000,000. Payment examples shown do not include taxes or insurance. Actual payments may be greater. Certain rate and/or point adjustments may apply depending on loan features, market adjustments, and borrower's credit. Maximum LTV will vary by product. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Additional restrictions and conditions may apply.

5/6, 7/6 and 10/6 ARM rates are variable, may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR) with a margin of 2.50%. ARM loans are amortized over a 30-year term. 5/6 ARMs are fixed for the first 5 years, subject to change every 6 months thereafter. 7/6 ARMs are fixed for the first 7 years, subject to change every 6 months thereafter. 10/6 ARMs are fixed for the first 10 years, subject to change every 6 months thereafter. 5/5 ARM rate is variable, may increase or decrease during the life of the loan, and is indexed to the 30-day Average SOFR with a margin of 2.50%. The 5/5 ARM loan is amortized over a 30-year term. The rate is fixed for the first 5 years, subject to change every 5 years thereafter.

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