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  • The team at Onni Mortgage are very professional and always super responsive to all my questions. Thank you! Michael - September 25, 2023
  • Always a pleasure working with Onni Mortgage. I bought my first home with them and they helped me find the best financing option! Alvin - September 15, 2023

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Current

California

Mortgage Rates

FHA Loans

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Last Updated: 3/29/2024

Conventional Loans

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Last Updated: 3/29/2024

VA Loans

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Last Updated: 3/29/2024

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Onni Mortgage to receive a personalized rate for your specific situation.

Popular California Home Loans Which loan is right for YOU?

First Time Homebuyers California

FHA Home Loans California California

FHA home loans are popular among California first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans California

Conventional Home Loans California California

A conventional(fixed-rate mortgage) is a popular type of home financing in California because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages California

Jumbo Home Loans California California

A jumbo home loan is a mortgage used to finance California properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

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5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

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0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in California? Now may be the right time to start saving money every month!

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months
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Refinancing could save you

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New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

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%

You can afford up to

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Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

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Understanding the Impact of Labor Market and Other Factors on Homeownership As a homeowner or a prospective one, understanding mortgage rates is crucial. It's not just about finding the right house; it's about securing the best financing for your investment. Mortgage rates fluctuate, influenced by various factors, and one of the significant determinants is the…

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Traditions, Celebrations, and Home Decor Easter, a joyous time of renewal and celebration, is just around the corner! Whether you're commemorating religious significance or simply reveling in the arrival of spring, there's no shortage of ways to make this holiday egg-ceptional. From timeless traditions to creative decorations, let's dive into the colorful world of Easter!…

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Onni Mortgage

158 South Spruce Ave
San Francisco, California 94080
(650) 777-4339
NMLS# 1123301

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