I'm Richard Zeller and my greatest professional satisfaction comes from helping people find the home loan that comfortably fits their needs. I'm based in , where I've been a Pinnacle Club member and a trusted resource and partner to thousands of people in the community. As a top mortgage professional, I am dedicated to giving you the mortgage information and personalized guidance you need every step of the way. Call me today if you're ready to get started or would like more information.

Show: More about me

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
 

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. 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. 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.