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Real Estate Loans    
Purchase/Refinance Equity Line of Credit  
HOME LOANS — Purchase or Refinance

 

Fixed Rate Home Loans Current Rates

Offers the security of fixed rates and payments for the life of your loan. A variety of terms are available, from short-term loans to help you pay down your mortgage faster, to long-term loans that keep your payments low. Owner and non-owner occupied loans available. CA properties only.


Adjustable Rate Home Loans
Current Rates

Lower rates mean you may qualify for a larger home loan. With a variety of terms, and index choices, we can help you find the right loan for your needs. CA properties only.


Equity and Home Improvement Loans

APR As Low As

Home Equity Line of Credit
- Variable
80% LTV 4.00%
(Prime+0%)

Home Equity Line of Credit
- FLEX HELOC
80% LTV 4.99%

Home Equity Line of Credit
- Non-Owner Occupied
70% LTV 6.00%

APR is variable and based on Prime Rate as published in The Wall Street Journal (currently 4.00%). Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years). Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Add 1 point for piggyback loans. $200,000 maximum loan amount. Not available for purchases. Payment example: 3 monthly payments of $5.54 for each $1,000 borrowed during intro period, then 237 monthly payments of approximately $6.05 for each $1,000 borrowed.
FLEX HELOC: Introductory APR is fixed for 5 years or until an additional advance is made (whichever comes first). For Non Owner Occupied: APR is variable and based on Prime Rate as published in The Wall Street Journal, plus 1.5% (currently 5.50%). Minimum APR 6%. Maximum CLTV 70%. $799 opening fee (waived if $5,000 initial advance is taken and account remains open for 3 years). Upfront borrower-paid appraisal required. Loan must be in first position. $100,000 maximum loan amount.


Roof Equity Loan 5 yrs
10 yrs
4.50%
6.00%
Payment example: 60 payments of $19.34 per $1,000 borrowed.

Fixed Owner Occupied 5 yrs
10 yrs
15 yrs
20 yrs
5.24%
5.99%
5.99%
5.99%
Maximum LTV 80%. Maximum loan amount $200,000. $499 fee (waived if loan is kept open for at least 3 years). No points. Appraisal fee may be required. CA properties only. Add 1 point for piggyback loans. Payment example: 240 payments of $7.16 per $1,000 borrowed. 720+ FICO required for lowest rates.

Fixed Non-Owner Occupied 5 yrs
10 yrs
12 yrs
8.49%
8.75%
8.99%
70% of appraisal less 1st T.D. Maximum loan amount $100,000. 12 year maximum term. $499 fee +1 point. CA properties only. Payment example: 60 payments of $21 per $1,000 borrowed.

Home Improvement Loan

5 yrs
10 yrs
15 yrs
20 yrs

6.99%
7.49%
7.74%
7.99%
Maximum CLTV 95% for allowable home improvements. 2nd or 3rd Trust Deed required. Interest may be tax deductible (consult your tax advisor). Minimum loan amount $7,500; max. $30,000 ($50,000 for solar). $699 fee (waived if loan is kept open for at least 3 years). No points. Borrower is responsible for credit report fee and cost of appraisal. Owner-occupied CA properties only. Add 1% to rates for 3rd Trust Deed (waived for loans of $30K or less with a term of 5 years or less). Payment example: 60 payments of $20 per $1,000 borrowed.

30-Year 7/1 ARM • Fixed for 7 80% LTV 6.24%
Rate is fixed for 7 yrs, then adjusts annually based on the 1-Year Treasury Bill plus 3%. Maximum LTV 80%. Maximum loan amount $200,000. $499 fee (waived if loan is kept open for at least 3 years). Owner-occupied, CA properties only. No points and no repayment penalties. Add .50% for Jumbo loans. Maximum lifetime adjustment 10%. Add 1 point for piggyback loans. Payment example: 84 payments of $15 per $1,000 borrowed. 700+ FICO for lower rates.

Auto & RV Equity Loans Same Great Rates and Terms as New/Used Vehicle Rates
and New/Used RV Rates
Available for purchases and refinances. No equity required. Courtesy lien on primary residence creates potential for tax-deductible interest (see your tax advisor). Owner-occupied, CA properties only. $230 processing fee.

EZ Equity Loan/Line of Credit    
EZ Equity Loan 5 yrs
10 yrs
15 yrs
6.99%
7.49%
7.99%
100% of most recent Sacramento County Assessor’s value less 1st T.D. Must have owned residence for at least 6 months. 15-Year maximum term. Minimum loan amount $5,000. Maximum loan amount $35,000. No points. $499 flat fee. Payment example: 60 payments of $20 per $1,000 borrowed.

EZ Equity Line of Credit   5.50%
20-year maximum term. Variable rate based on Prime +1.5%. Minimum APR 3.99%. Maximum APR 18%. Must have owned residence for at least 12 months. $499 flat fee and $45 annual fee. Payment example: 240 payments of $7 per $1,000 borrowed. If only minimum payments are made, a balloon payment will result.

Land Loans (CA properties only)    
Fully Improved (water, sewer, utilities) Up to 15 years 7.00%
Up to 70% of value. Variable rate based on Prime Rate as quoted in The Wall Street Journal +3.00%. Maximum loan amount $150,000. Minimum APR 6%. Maximum APR 12%. 5-acre parcel maximum. Residential zoning. Fees: 1 point plus appraisal, title, escrow, and $295 processing. Payment example: 180 payments of $9 per $1,000 borrowed.

Unimproved Up to 15 years 7.50%
Up to 60% of value. Variable rate based on Prime Rate as quoted in The Wall Street Journal +3.50%. Maximum loan amount $150,000. Minimum APR 6%. Maximum APR 12%. 5-acre parcel maximum. Residential zoning. Fees: 1 point plus appraisal , title, escrow, and $295 processing. Payment example: 180 payments of $9 per $1,000 borrowed. Taxes and insurance are not included in your payment example; your actual payment will be higher.

APRs, rates, terms and offers accurate as of 5/24/2017 and subject to change without notice.

 
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