Current Mortgage Rates


Your rate may be different – it may be higher, it may be lower. Factors that affect your rate include: Loan amount, FICO score, county and zip code, down payment amount, DTI, loan product, home type (single family, condo, investment, etc), and more.

Get a personalized rate quote, just click the button below.

What is APR?

APR stands for Annual Percentage Rate. It’s the yearly cost of the loan expressed as an interest rate. It includes interest paid, and any costs associated with the loan like lender fees, points paid to lower the rate, mortgage broker fees – essentially any cost added to the loan. APR is the best way to compare loan quotes, because it includes costs to get the loan.

Scenario for conventional quote:  FICO 750, LTV 80%, Loan amount $720,000, Los Angeles County, zip code 90803, 30-year fixed term , single family residence.

Scenario for FHA quote:  FICO 700, LTV 96.5%, Loan amount $675,5000, Los Angeles County, zip code 90803, 30-year fixed term , single family residence.

* Rates change daily, sometimes hourly. These rates are only good for the day and time listed above. Contact us to get a current rate for your personal situation.

** 1 point equals a cash buydown of 1% of the loan amount which you pay at closing. This will lower your rate. For example, for a $720,000 loan amount, 1 point would equal $7,200. Does buying down the rate make sense? Sometimes, but you need to discuss this with your mortgage professional.


 You don’t have to be an expert in getting a home loan – that’s my job. I’ve been doing this so long, I know how to navigate through all of the rules and guidelines to find you the best loan at the best price. Schedule an appointment so we can get you ready to start shopping for your dream home! Or if You’re ready to get the process started, start an application to get the ball rolling. I’ll take it from there.


I’m Your first Call.

Your first step should always be to talk to a mortgage professional. Schedule a time speak with me today, it doesn’t matter if your’e already under contract, or if you are buying until next year. I need to make sure we get you ready, and that you’re doing the right things today, so when you do make an offer, you are all set. I see too many people that take advice from the internet or non-professionals and mess up their chances to buy. 

Talk to Jesse – Mortgage Expert 


Jesse Rivera - Mortgage Broker

My name is Jesse Rivera. I’m licensed in the State of California and I live and work in beautiful Long Beach, CA. I can do loans for the whole state of California, but I specialize in SoCal, especially Long Beach, Los Angeles County and Orange county.

And please check out my Google 5-Star Reviews by Clicking here.