Mortgage Refinance Rates

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We support your dreams of homeownership

If you're exploring a refinance, we have the mortgage rates that can make your money go further.


10/1 , 7/1 , and 5/1 ARMs AVAILABLE

Maximum Amount at these rates: $766,550*

**See rate adjustment information below
Loan Type Rates APR Points
Rates effective as of 8:00 AM May 23, 2024
30 year fixed 6.375% 6.589% 1.00
6.500% 6.667% 0.50
6.625% 6.742% 0.00
20 Year Fixed 6.125% 6.404% 1.00
6.250% 6.466% 0.50
6.375% 6.528% 0.00
15 year fixed 6.000% 6.349% 1.00
6.125% 6.395% 0.50
6.250% 6.440% 0.00

*Jumbo/Portfolio, FHA, VA and Reverse Mortgage Loans AVAILABLE.

More Rates Available - Please contact us for details.

**Rate adjustment information

Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $766,550) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending upon these factors.

PLEASE NOTE THAT INTEREST RATES MAY CHANGE THROUGHOUT THE DAY. THE RATES ABOVE ARE SCU POSTED RATES AS OF 8 AM EACH MORNING. FOR "UP-TO-THE-MINUTE RATES," PLEASE CALL YOUR MORTGAGE LOAN ORIGINATOR OR SCU MEMBER SERVICES AT (916)444-6070 EXT. 3071

Connect with one of our local Mortgage Loan Consultants

 

Deri Ross

Mortgage Loan Consultant

NMLS # 361879

Mobile: 916-802-7989
Email: dross@sactocu.org

Ahnalee Andaya

Mortgage Loan Consultant

NMLS # 1846466

Mobile:  916-508-7992
Email: aandaya@sactocu.org