Mortgage Loans in San Bernardino, CA

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.00%, higher than 1, 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, mortgage rates often face upward pressure because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Affinity Plus shows a 30-year Conventional Fixed rate today at 7.0%, up 25 bp from a week ago. The 15-year Conventional Fixed rate is 6.5%, up 38 bp from last week. VA 30-year Fixed loans are at 7.625%, up 38 bp. Adjustable rates for 5- and 7-year ARMs hold steady at 5.25% and 5.5%, respectively. First Entertainment offers a 15-year conventional fixed rate at 6.5%, up 25 bp from a week ago, and a 30-year conventional fixed at 6.875%, also up 25 bp. The 15-year conventional refinance matches the purchase rate at 6.5%, while the 30-year conventional refinance is 6.875%. FHA 3-year ARM is at 6.25%, up 25 bp, and FHA 5-year ARM is 6.375%, also up 25 bp. Jumbo 30-year fixed is 6.875%, up 25 bp.

Schoolsfirst offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed rate at 6.625% today. Their 15-year conventional refinance rate is 6.0%, while the 30-year conventional refinance is 6.75%. The 30-year fixed FHA and Jumbo loans are also at 6.625%. The 30-year conventional fixed rate rose 13 bp over the past week and 25 bp over the past month.

Navy Federal Credit Union offers a 15-year conventional fixed rate today at 6.0%, up 38 bp from a week ago. The 30-year conventional fixed rate is 6.625%, also up 38 bp over the last seven days and 50 bp higher than 30 days ago. The 30-year VA fixed rate stands at 6.25%, rising 38 bp in the past week. For FHA loans, the 3-year ARM is 5.625%, up 25 bp from last week, and the 5-year ARM is 5.875%, also up 25 bp. The 30-year jumbo fixed rate is 6.875%, increasing 38 bp over the week.

Patelco offers a 15-year Conventional Fixed at 6.5%, up 38 bp from a week ago, and a 30-year Conventional Fixed at 7.0%, also up 38 bp. The 15-year Conventional Refi is 6.5%, rising 13 bp, while the 30-year Conventional Refi is 7.0%, up 13 bp. Adjustable 5-year ARM is at 5.75%, increasing 13 bp, and the 10-year ARM is 6.125%, up 13 bp. The Jumbo 30-year Fixed is 7.0%, up 13 bp from last week. America First offers a 15-year conventional fixed rate at 6.25%, up 13 bp from last week and 50 bp higher than a month ago. Their 30-year conventional fixed rate is 6.875%, also up 13 bp from last week and 38 bp higher than 30 days ago. FHA 30-year fixed loans are at 6.5%, rising 13 bp in the past week and 38 bp over the last month. VA 30-year fixed rates stand at 6.625%, up 13 bp from last week and 38 bp from a month ago.

The Golden 1 offers a 15-year conventional fixed at 6.0% today, up 38 bp from last week, and a 30-year conventional fixed at 6.75%, also up 38 bp. Their 30-year conventional refinance is 7.0%, up 25 bp. FHA 30-year fixed is 6.49%, up 12 bp. Jumbo 30-year fixed is 6.375%. Adjustable-rate 5- and 7-year terms are both 5.75%, with the 5-year down 13 bp and the 7-year down 25 bp from last week. The 10-year adjustable is 6.0%, down 13 bp. Dupaco Community offers a 15-year conventional fixed rate at 6.38% today, up 25 bp from a week ago and 50 bp from 30 days ago. Their 30-year conventional fixed rate is 6.75%, rising 38 bp in the last week and 50 bp over the past month. The same rates apply for the 15- and 30-year conventional refinance options.

Digital offers a 15-year conventional fixed rate today at 6.625%, up 25 bp from last week. Their 30-year conventional fixed rate is 7.375%, rising 38 bp over the same period. The 15-year conventional refinance rate is also 6.625%, up 38 bp, while the 30-year conventional refinance rate is 7.375%, 38 bp higher than last week. Safe offers a 30-year conventional fixed mortgage at 6.63% today. This rate is up 13 bp from last week and 38 bp higher than a month ago.