Jumbo Home Loans

Competitive rates and flexible options on loans up to $3 Million!* Learn more

Dream Home - Bay Fed Jumbo Loans
Conforming - Fixed Rate
Rates Effective: 03/24/2023 08:17AM
ProductRatePointsAPRPayments
30 YEAR FIXED6.250%0.0006.369%$2,463
20 YEAR FIXED6.250%0.0006.407%$2,924
15 YEAR FIXED6.000%0.0006.195%$3,375
10 YEAR FIXED5.750%0.0006.023%$4,391
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: 03/24/2023 08:17AM
ProductRatePointsAPRPayments
10/6MO ARM SOFR6.250%0.0006.661%Payments
Monthly PaymentsAmount
Year 1$2,463
Year 11$3,669
7/6MO ARM SOFR6.125%0.0006.721%Payments
Monthly PaymentsAmount
Year 1$2,430
Year 8$3,806
5/5 ARM SOFR6.000%0.0006.790%Payments
Monthly PaymentsAmount
Year 1$2,398
Year 6$3,099
5/6MO ARM SOFR6.000%0.0006.789%Payments
Monthly PaymentsAmount
Year 1$2,398
Year 6$3,098
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: 03/24/2023 08:17AM
ProductRatePointsAPRPayments
20 YEAR FIXED COOP7.375%1.5007.853%$2,394
15 YEAR FIXED COOP7.125%1.5007.711%$2,717
10 YEAR FIXED COOP6.875%1.5007.687%$3,464
20 YEAR FIXED LEASED LAND8.375%1.5008.873%$2,580
15 YEAR FIXED LEASED LAND8.125%1.5008.729%$2,889
10 YEAR FIXED LEASED LAND7.875%1.5008.704%$3,620
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: 03/24/2023 08:17AM
ProductRatePointsAPRPayments
30 YEAR FIXED5.750%0.0005.805%$5,836
15 YEAR FIXED5.625%0.0005.716%$8,237
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: 03/24/2023 08:17AM
ProductRatePointsAPRPayments
10/6MO ARM SOFR5.750%0.0006.272%Payments
Monthly PaymentsAmount
Year 1$5,836
Year 11$8,856
7/6MO ARM SOFR5.625%0.0006.404%Payments
Monthly PaymentsAmount
Year 1$5,757
Year 8$9,259
5/5 ARM SOFR5.500%0.0006.531%Payments
Monthly PaymentsAmount
Year 1$5,678
Year 6$7,560
5/6MO ARM SOFR5.500%0.0006.529%Payments
Monthly PaymentsAmount
Year 1$5,678
Year 6$7,559
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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