Mortgage Loans in Upland, CA

Today’s Fed Funds Effective Rate is 4.25%, which is lower than 30 days ago when it was 4.50%. The Fed Funds rate influences mortgage rates because it affects the cost banks pay to borrow money, which can impact mortgage lending rates.

Affinity offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed rate at 5.75% today. Their FHA fixed rates for 3-, 5-, and 7-year terms are 4.375%, 4.5%, and 4.75%, respectively, each down 100 bp from 30 days ago. The 30-year conventional fixed rate is also down 63 bp from a month ago. Baxter offers a 15-year Conventional Fixed at 5.125%, down 13 bp from a week ago, and a 30-year Conventional Fixed at 5.875%, also down 13 bp in the last week. Their 30-year Jumbo Fixed is steady today at 5.875%, up 25 bp over the past month. The 5-year Adjustable is steady at 4.75%, down 13 bp over 30 days.

Nuvision offers a 15-year Conventional fixed rate at 5.0% and a 30-year Conventional fixed rate at 5.875%. The 30-year Conventional fixed rate is up 13 bp from a month ago. FHA and VA 30-year fixed rates are steady at 5.5%. Adjustable 5-year and 7-year ARM rates are 4.75% and 4.875%, respectively, with the 7-year ARM down 13 bp from a week ago. Navy Federal Credit Union offers a 15-year Conventional Fixed rate at 4.875%, down 13 bp from two weeks ago, and a 30-year Conventional Fixed rate steady at 5.625%. The 30-year VA Fixed rate is 5.375%, up 13 bp from a week ago. Their 30-year Jumbo Fixed rate holds at 5.875%. FHA 3-year and 5-year ARMs are at 5.0% and 5.25%, respectively, each down 13 bp from a month ago.

Affinity Plus offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.0%, both unchanged from a week ago but down 13 bp from a month ago. The 30-year Jumbo Fixed is also 6.0%, with the same recent changes. Their 30-year VA Fixed rate is steady at 6.625%. Adjustable rates include a 5-year ARM at 4.875% and a 7-year ARM at 5.125%, both stable. Digital offers a 15-year Conventional Fixed rate at 5.375%, unchanged from a week ago but up 25 bp from a month ago. Their 30-year Conventional Fixed and 30-year Conventional Refi rates hold steady at 6.0%. Digital also has a 15-year Conventional Refi at 5.375%, with the same changes as the purchase rate. Digital's rates have mostly held steady this week, with a slight increase over the past month on 15-year loans.

California Coast offers a 15-year Conventional Fixed at 5.5%, unchanged from last week but up 13 bp from a month ago. Their 30-year Conventional Fixed holds steady at 6.375%. Adjustable 5-year ARMs are at 5.5%, down 100 bp from a month ago, while 7-year ARMs are at 6.0%, down 88 bp over the same period. Jumbo 30-year Fixed loans remain at 6.375%. Altura offers a 15-year Conventional fixed rate at 5.125%, down 13 bp from last week, and a 30-year Conventional fixed at 5.875%, down 12 bp from last week. The 30-year FHA fixed rate stays steady at 6.625%, while the 30-year Jumbo fixed is steady at 6.0%. The 5-year Adjustable Conventional is 5.875%, and the 7-year Adjustable is 6.0%, both up 13 bp from last week, with the 7-year also up 25 bp from a month ago.

Certified shows a 15-year fixed Conventional rate today at 5.125%, down 38 bp from 30 days ago. The 30-year fixed Conventional and Jumbo rates are both 5.875%, also down 38 bp over the past month. These rates have held steady compared to last week. Connexus offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed rate at 5.875% today. Their 15-year conventional refinance is 5.75%, while the 30-year conventional refinance is 6.375%. FHA 3-year ARM is priced at 5.25%, FHA 5-year ARM at 5.75%, and FHA 7-year ARM at 6.25%. The 15-year fixed conventional rate held steady over the past week, while the FHA ARMs have dropped by 50 bp or more in the last 30 days.