Mortgage Rates
Low Rate Mortgage Loans
Rates shown assume the loan is for purchase or no-cash-out refinance of an existing single family residence. Residence is owner-occupied, in California only, serving as a primary residence. Loan-to-value ratio of less than 60%, and excellent credit.
Fixed Rate Conforming Mortgages
| Maximum Loan Amount: $647200. APRs are based on a loan amount of $647200. | Term in Years | Discount Points | Interest Rate | APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|---|---|
| 30 | 0.000% | 4.875% | 4.899% | $5.29 | CC, DD, EE, FF, S | |
| 1.000% | 4.625% | 4.692% | $5.14 | |||
| 2.000% | 4.375% | 4.484% | $4.99 | |||
| 20 | 0.000% | 4.625% | 4.658% | $6.39 | CC, DD, EE, FF, S | |
| 1.000% | 4.375% | 4.466% | $6.26 | |||
| 2.000% | 4.125% | 4.274% | $6.13 | |||
| 15 | 0.000% | 4.25% | 4.291% | $7.52 | CC, DD, EE, FF, S | |
| 1.00% | 4% | 4.19% | $7.40 | |||
| 2.000% | 3.75% | 4.089% | $7.27 | |||
| 10 | 0.000% | 4.25% | 4.309% | $10.24 | CC, DD, EE, FF, S | |
| 1.00% | 4% | 4.274% | $10.12 | |||
| 2.000% | 3.75% | 4.24% | $10.01 |
- CC) Discount points are paid to buy down the interest rates and are calculated as a percentage of the loan amount.
- DD) Interest rate based on the above assumptions, and may be different than the rates displayed here. The interest rates, Annual Percentage Rates (APRs), discount points, and rebates shown are subject to change without notice.
- EE) Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $510,400 conforming mortgage with zero-points and a fixed rate of 3.500%, multiply 510 x $4.49 for an approximate payment amount of $1,872.33 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.
- FF) All mortgage loans through Stand Bank Online are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Stand Bank Online NMLS #412725
- S) APR - Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR.
Fixed Rate Super-Conforming Mortgages
| Maximum Loan Amount: $970800(available in Bay Area counties and certain other areas). APRs are based on a loan amount of $970800. | Term in Years | Discount Points | Interest Rate | APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|---|---|
| 30 | 0.000% | 5% | 5.018% | $5.37 | CC, DD, EE, FF, S | |
| 1.000% | 4.75% | 4.855% | $5.22 | |||
| 2.000% | 4.5% | 4.691% | $5.07 | |||
| 15 | 0.000% | 4.375% | 4.405% | $7.59 | CC, DD, EE, FF, S | |
| 1.000% | 4.125% | 4.304% | $7.46 | |||
| 2.000% | 3.875% | 4.203% | $7.33 |
- CC) Discount points are paid to buy down the interest rates and are calculated as a percentage of the loan amount.
- DD) Interest rate based on the above assumptions, and may be different than the rates displayed here. The interest rates, Annual Percentage Rates (APRs), discount points, and rebates shown are subject to change without notice.
- EE) Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $510,400 conforming mortgage with zero-points and a fixed rate of 3.500%, multiply 510 x $4.49 for an approximate payment amount of $1,872.33 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.
- FF) All mortgage loans through Stand Bank Online are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Stand Bank Online NMLS #412725
- S) APR - Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR.
Fixed Rate Super-Jumbo Mortgages
| APRs are based on a loan amount of $2000000. Amounts over $2000000 available. For loans of $1,500,000 or higher, reduce the interest rate by 0.125%. | Term in Years | Discount Points | Interest Rate | APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|---|---|
| 30 | 0.000% | 4.25% | 4.268% | $4.92 | CC, DD, EE, FF, S | |
| 1.000% | 4.125% | 4.227% | $4.85 |
- CC) Discount points are paid to buy down the interest rates and are calculated as a percentage of the loan amount.
- DD) Interest rate based on the above assumptions, and may be different than the rates displayed here. The interest rates, Annual Percentage Rates (APRs), discount points, and rebates shown are subject to change without notice.
- EE) Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $510,400 conforming mortgage with zero-points and a fixed rate of 3.500%, multiply 510 x $4.49 for an approximate payment amount of $1,872.33 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.
- FF) All mortgage loans through Stand Bank Online are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Stand Bank Online NMLS #412725
- S) APR - Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR.
Fixed/Adjustable Mortgages
| Movable Mortgages also available at these rates. APRs are based on a loan amount of $550000. For all loans above $750,000 up to $1,500,000 reduce the interest rate by 0.125%. For all loans above $1,500,000 reduce the interest rate by 0.250% | Term in Years | Discount Points | Interest Rate | APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|---|---|
| 5/5 | 0.000% | 4% | 4.746% | $4.77 | CC, DD, EE, FF, S | |
| 1.000% | 3.75% | 4.741% | $4.63 | |||
| 7/23 | 0.000% | 4% | 4.871% | $4.77 | CC, DD, EE, FF, S | |
| 1.000% | 3.75% | 4.837% | $4.63 | |||
| 10/10/10 | 0.000% | 3.875% | 4.334% | $4.70 | CC, DD, EE, FF, S | |
| 1.000% | 3.625% | 4.264% | $4.56 |
- CC) Discount points are paid to buy down the interest rates and are calculated as a percentage of the loan amount.
- DD) Interest rate based on the above assumptions, and may be different than the rates displayed here. The interest rates, Annual Percentage Rates (APRs), discount points, and rebates shown are subject to change without notice.
- EE) Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $510,400 conforming mortgage with zero-points and a fixed rate of 3.500%, multiply 510 x $4.49 for an approximate payment amount of $1,872.33 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.
- FF) All mortgage loans through Stand Bank Online are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Stand Bank Online NMLS #412725
- S) APR - Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR.
Mortgage Assistance
For more information or to apply by phone, call (800) 632-4600 and press 321.
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