Home Loans & Lending in CA (2025)

5-Year SOFR ARM Jumbo Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 60 months, and will adjust every six months after the 60 month period ends. At a 5.750% initial interest rate, the APR for this loan type is 6.578%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

• 60 payments of $4668.58 at an interest rate of 5.750%
• 299 payments of $5304.31 at an interest rate of 7.125%
• 1 payments of $5273.01 at an interest rate of 7.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $825,000 and an estimated property value of $1,100,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

30-Year Fixed Jumbo Purchase

At a 6.625% interest rate, the APR for this loan type is 6.637%. The payment schedule would be:

• 359 payments of $5122.49 at an interest rate of 6.625%
• 1 payments of $5094.36 at an interest rate of 6.625%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $825,000 and an estimated property value of $1,100,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

5-Year SOFR ARM Conforming Purchase

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 60 months, and will adjust every six months after the 60 month period ends. At a 6.250% initial interest rate, the APR for this loan type is 6.774%, and is subject to increase after consummation.

Based on current market conditions, the payment schedule would be:

• 60 payments of $1847.15 at an interest rate of 6.250%
• 299 payments of $2001.45 at an interest rate of 7.125%
• 1 payments of $1989.64 at an interest rate of 7.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.