Mortgage Resources
First-time home buyer tips
Ready to buy your first home? Here are 11 steps to help you through the home buying process. Read moreComplete guide to mortgages
A step-by-step guide to help you understand everything about mortgages. Read moreHow mortgages work
Learn how to choose the type of mortgage that is right for you and what kind of lender to get it from. Read moreGuide to closing costs
Learn about closing on your property and all the costs associated with the closing process. Read more
Mortgage Rates Help Getting a mortgage loan is a big commitment. Learn about all the variables involved in getting a mortgage and the impact these variables have on your interest rate. Before buying your new home, you can find the most common variables that go into calculating estimated monthly payments and interest rates provided here.
Purchase/Refinance
Click "Purchase" if you are buying a home. Click "Refinance" if you own a home and you want to replace your mortgage with another loan at a different rate and terms.Loan type
Select which type of mortgage you are shopping for: a 30-year fixed-rate loan, a 15-year fixed, an FHA-insured loan, an adjustable-rate mortgage (ARM) with an introductory rate lasting 5 or 7 years, a 20-year fixed, and 10-year fixed or a 30-year Veterans Affairs loan.Amount
Type the amount you want to borrow. The default is $165,000, but you should enter your own number.Down payment
Select the percentage that is closest to your down payment. If your down payment is between these numbers, select the lower one. Example: If you are making a 12 percent down payment, select "10% down" and not "15% down."Credit score
If you know your credit score, select the range that your score belongs to. The best rates and terms go to borrowers with credit scores of 740 and higher, and borrowers in the 720 to 739 range can get very good deals, too.Points
Select the range of discount points that you are willing to pay. Discount points are an upfront fee that you pay to get a lower interest rate. One point is 1 percent of the loan amount. On a $100,000 mortgage, if you pay 1 point, you pay an upfront fee of $1,000.Place
Write your city and state. You might see a bigger selection if you choose the nearest large city.
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Average rates in Los Angeles, CA
| Product | Rate | Change | Last week |
|---|---|---|---|
| 30 yr fixed mt | 3.84% | 0.02 | 3.82% |
| 15 yr fixed mtg refi | 3.01% | 0.03 | 2.98% |
| 5/1 ARM refi | 3.07% | 0.03 | 3.04% |
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