09/12/2025
Current Mortgage Interest Rates for the purchase of an Owner Occupied Single Family Residence or 1 Unit CONDO 30 Year Fixed High Balance Conforming and 30 Year Fixed Conforming with Zero Points:
30 Year Fixed Conventional High Balance Conforming Purchase:
$1,500,000 Purchase Price
$375,000 Down Payment of 25%
$1,125,000 Loan Amount
*6.50% Interest Rate (6.504% APR)
$7,110.77 Monthly Payment to Lender, Principal and Interest
~$1,562.50 Monthly Property Taxes
~$250 Monthly Hazard Insurance
~$8,923.27 Total Monthly Housing Expenses
Standard Closing Costs
~$1,050 Lender Underwriting Fee charged to Borrower paid at closing
ZERO Points
~$2,250 Credit from Lender to Borrower
Pricing for CONDO is same rate and payment to Lender (6.509% APR with ~$250 Credit from Lender to Borrower)
*Interest rates are subject to change. Standard qualifying restrictions apply; Full Documentation of Assets, Credit and Income is required. 75% Loan to Value / Owner Occupied / Single Family Residence or 1-Unit Attached CONDO (with pricing adjustment) / 770 Lowest Middle Credit Score. ~ = Approximate. Standard Closing Costs (Lender Fees + Title & Escrow) will be determined and disclosed after an executed contract is received. If an appraisal is required, Borrower must pay for the appraisal (~$700-$900) when the inspection order is placed by the Lender. Property Taxes are based on 1.25% of the sales price. There may be additional taxes or supplemental taxes not known at this time. No escrow/impound account required. Monthly payment to the Lender includes principal and interest. Maximum Loan Amount for High Balance Conforming 30 Year Fixed is $1,209,750 and has zip code qualification requirements. If property is located in an HOA there will be a monthly association fee tbd.
30 Year Fixed Conventional Conforming Purchase:
$1,000,000 Purchase Price
$250,000 Down Payment of 25%
$750,000 Loan Amount
*6.25% Interest Rate (6.253% APR)
$4,617.88 Monthly Payment to Lender, Principal and Interest
~$1,041.67 Monthly Property Taxes
~$200 Homeowner's Insurance
~$5,859.55 Total Monthly Housing Expenses
Standard Closing Costs
~$1,050 Lender Underwriting Fee charged to Borrower paid at closing
ZERO Points
~$2,000 Credit from Lender to Borrower
Pricing for CONDO is same rate and payment to Lender (6.254% APR with ~$250 Credit from Lender to Borrower)
*Interest rates are subject to change. Standard qualifying restrictions apply; Full Documentation of Assets, Credit and Income is required. 75% Loan to Value / Owner Occupied / Single Family Residence or 1-Unit Attached CONDO (with pricing adjustment) / 770 Lowest Middle Credit Score. ~ = Approximate. Standard Closing Costs (Lender Fees + Title & Escrow) will be determined and disclosed after an executed contract is received. If an appraisal is required, Borrower must pay for the appraisal (~$700-$900) when the inspection order is placed by the Lender. Property Taxes are based on 1.25% of the sales price. There may be additional taxes or supplemental taxes not known at this time. No escrow/impound account required. Monthly payment to the Lender includes principal and interest. Maximum Loan Amount for Conforming 30 Year Fixed is $806,500 and has zip code qualification requirements. If property is located in an HOA there will be a monthly association fee tbd.
Contact me to price out your specific scenarios.
Lee David Baer
1-415-451-4888 x223 Office
1-415-302-4888 Mobile
[email protected]
CalBRE: 01178601 NMLS #265187
California Mortgage Advisors, Inc.
4304 Redwood Highway #100
San Rafael, CA 94903
CalDRE Corp. #01170868 & National NMLS #1825
https://www.calmtg.com/loan-officers/lee-baer/
