Spring is the busiest time of the year for home shoppers. It's also the perfect time to refresh your home with improvements that could be funded by a home equity line of credit. Let's discuss your personal situation and discover how this season can be a fresh start for your family.

I'm Joe Grubbs, your local Austin area including Round Rock and Cedar Park area Senior Mortgage Loan Officer, and I have 31 years of experience helping families finance their homes. Whether you're exploring purchasing a home, refinancing your existing home or accessing your home's equity, if any, feel free to reach out to me. I'll be there to help guide you every step of the way, from application to closing.

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Today's California mortgage rates

Select Purchase or Refinance
This table correlates Conforming products to rate, point, and APR% information.
Conforming
Rate layer
APR layer
Points layer
Monthly paymentFootnote *Conforming and Jumbo monthly payment includes principal and interest only. Any other fees such as tax and insurance are not included and will result in a higher actual monthly payment.
30-year fixed layer
X.XXX% X.XXX% X.XXX $X.XXX
15-year fixed layer
X.XXX% X.XXX% X.XXX $X.XXX
7/1 ARM layer (variable)
X.XXX% X.XXX% X.XXX $X.XXXFootnote 5/1 Adjustable Rate Mortgage (ARM) interest rate and payment subject to increase after 5 years. 7/1 Adjustable Rate Mortgage (ARM) interest rate and payment subject to increase after 7 years. Select the Adjustable Rate Mortgage (ARM) monthly payment for important information, including estimated payments and rate adjustments. (initial)
5/1 ARM layer (variable)
X.XXX% X.XXX% X.XXX $X.XXXFootnote 5/1 Adjustable Rate Mortgage (ARM) interest rate and payment subject to increase after 5 years. 7/1 Adjustable Rate Mortgage (ARM) interest rate and payment subject to increase after 7 years. Select the Adjustable Rate Mortgage (ARM) monthly payment for important information, including estimated payments and rate adjustments. (initial)
This table correlates Jumbo products to rate, point, and APR% information.
Jumbo
Rate layer
APR layer
Points layer
Monthly paymentFootnote *Conforming and Jumbo monthly payment includes principal and interest only. Any other fees such as tax and insurance are not included and will result in a higher actual monthly payment.
30-year fixed layer
X.XXX% X.XXX% X.XXX $X.XXX
15-year fixed layer
X.XXX% X.XXX% X.XXX $X.XXX
This table correlates FHA products to rate, point, and APR% information.
FHA
Rate layer
APR layer
Points layer
Monthly paymentFootnote *Conforming and Jumbo monthly payment includes principal and interest only (FHA monthly payment includes principal, interest, and mortgage insurance). Any other fees such as tax and insurance are not included and will result in a higher actual monthly payment.
30-year fixed layer
X.XXX% X.XXX% X.XXX $X.XXX
 

All products, rates, APRs, and credit assumptions valid on XX/XX/XXXX and are subject to change without notice. Chart data is for illustrative purposes only. Conforming and Jumbo data assumes a borrower with excellent credit and FHA data assumes a borrower with good credit. Accuracy is not guaranteed and products may not be available for your situation.
Loan assumptions and disclosures.

* Conforming and Jumbo monthly payment includes principal and interest only (FHA monthly payment includes principal, interest, and mortgage insurance). Any other fees such as tax and insurance are not included and will result in a higher actual monthly payment.

5/1 Adjustable Rate Mortgage (ARM) interest rate and payment subject to increase after 5 years. 7/1 Adjustable Rate Mortgage (ARM) interest rate and payment subject to increase after 7 years. Select the Adjustable Rate Mortgage (ARM) monthly payment for important information, including estimated payments and rate adjustments.