I'm Todd Malone, and I want you to have the best home loan experience possible. I'm a Home Loans Manager who's helped many people in the Sacramento area find the loan that fits their unique needs. During my 15 years of experience in the mortgage industry, I've assisted first time homebuyers, and others from loan application to closing. Take advantage of the tools and resources on my website to help clarify the homebuying process. Call me today if you're ready to get started or would like more information. I'm here to help you know where you stand every step of the way.

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.