Mortgage Loans in San Francisco, CA

Federal Funds Rate - Trends & Analysis:

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

Credit Union Loan Rates - Trends & Analysis:

Skyla offers a 15-year conventional fixed rate at 5.99% today, up 24 bp from a week ago. Their 30-year conventional fixed rate is 6.45%, a 10 bp increase over the past week. The 7-year adjustable rate is 5.85%, also up 10 bp from last week. Affinity offers a 15-year conventional fixed rate at 5.875%, up 25 bp from last week and 38 bp from a month ago. Their 30-year conventional fixed rate is 6.5%, also up 25 bp from last week and 38 bp from 30 days prior. For adjustable rates, the 3-year ARM is at 6.0%, rising 13 bp in the past week and 25 bp over 30 days. The 5-year ARM stands at 6.125%, with similar increases of 13 bp and 25 bp over the same periods. The 7-year ARM is 6.375%, up 13 bp week-over-week and 25 bp month-over-month.

Nuvision offers a 15-year Conventional Fixed at 5.875%, up 13 bp from last week, and a 30-year Conventional Fixed at 6.625%, also up 13 bp. Their 30-year FHA Fixed is 6.375%, rising 25 bp over seven days. Adjustable 5-year ARMs are at 5.25%, down 25 bp, and 7-year ARMs are 5.5%, down 13 bp from last week.

First Entertainment offers a 15-year conventional fixed rate at 6.625% today, up 38 bp from last week and 63 bp from 30 days ago. Their 30-year conventional fixed rate is 6.875%, rising 25 bp over the past week and 38 bp over the month. The 15-year conventional refinance rate is 6.5%, up 25 bp in the last week and 50 bp from 30 days prior. The 30-year conventional refinance and jumbo 30-year fixed rates both stand at 6.875%, each up 25 bp this week and 38 bp over 30 days. FHA 3-year ARM is at 6.25%, up 25 bp this week and 38 bp in 30 days.

Pacific Service offers a 15-year conventional fixed rate at 5.875% today, up 13 bp from last week and 38 bp from a month ago. Their 30-year conventional fixed rate is 6.625%, rising 25 bp over the past week and 38 bp over 30 days. The 30-year FHA fixed rate stays steady at 6.0%. Jumbo 30-year fixed loans are at 6.375%, up 25 bp from last week. The 5-year ARM is steady at 5.75%. Los Angeles shows a 15-year Conventional Fixed rate today at 6.625%, up 50 bp from last week. The 30-year Conventional Fixed rate is 7.0%, also up 50 bp over the same period. Jumbo 30-year Fixed loans are at 7.5%, rising 50 bp in the past week. FHA 3-year ARM rates stand at 5.875%, increasing 38 bp since last week. The 5-, 7-, and 10-year ARM rates range from 6.375% to 6.75%, each up 38 bp in the last seven days.

Navy Federal Credit Union has 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 seven days and 50 bp higher than 30 days ago. The 30-year VA Fixed rate stands at 6.25%, increasing 38 bp in the past week. FHA 3-year ARM is at 5.625%, with a 25 bp rise in the last seven days. The 5-year ARM is 5.875%, up 25 bp this week.

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.

Patelco offers a 15-year conventional fixed rate at 6.625%, up from 6.125% a week ago, and a 30-year conventional fixed at 7.0%, up from 6.625%. The 15-year conventional refinance rate is 6.625%, higher than last week’s 6.375%, while the 30-year conventional refinance is 7.0%, up from 6.875%. Adjustable 5-year ARMs are at 5.75%, up from 5.625%, and 10-year ARMs are at 6.125%, up from 6.0%. Jumbo 30-year fixed loans are at 7.0%, up from 6.875%. Connexus offers a 15-year conventional fixed rate at 6.125%, unchanged from last week, and a 30-year conventional fixed at 6.875%, up 13 bp in the past week. Adjustable rates include a 3-year ARM at 4.99%, a 5-year ARM at 5.375%, and a 7-year ARM at 5.625%, all steady since last week.