Mortgage Loans

Current Mortgage Rates

Effective September 1, 2021

  Term Rate APR* Points
Conforming Fixed-Rate
(Loan Amounts $548,250 and Under)
30 Year Fixed 2.875% 2.902% 0.00
Super Conforming Fixed-Rate
(Loan Amounts $548,251 to $822,375)
30 Year Fixed 3.000% 3.025% 0.00
Jumbo Fixed-Rate
(Loan Amounts $822,376 to $1,500,000)
30 Year Fixed 3.125% 3.149% 0.00

To see more mortgage rates, click here.

Ready to Buy a New Home?

Buying a house is one of the biggest financial decisions you will make in your life, and CommonWealth is here to help you finance your purchase wisely. We have partnered with Member First Mortgage to provide you with the best mortgage products available along with the same quality service you have come to expect from CommonWealth.

Looking to Refinance Your Current Home or Use Your Home's Equity?

With interest rates at historic lows, now may be the right time to think about refinancing your home. Refinancing your mortgage is a great way to potentially lower your interest rate and monthly mortgage payment. With a refinance, you may be able to pay off your mortgage sooner, pull cash out of your house for a major remodel, or switch from an adjustable-rate loan to a fixed rate.

Take Advantage Of:

  • Great rates and terms
  • Low fees
  • Conforming and Jumbo loans
  • Fixed and adjustable-rate mortgages
  • No application fees
  • Easy step-by-step application 24/7
  • Instant pre-qualifications
  • No pre-payment penalties

 

 

 

  • Mortgage Rates

    Conforming Fixed-Rate Loan (Loan Amounts $548,250 and under)

    Term Rate APR* Points
    30 Year Fixed 2.875% 2.902% 0.00
    20 Year Fixed

    2.750%

    2.787%

    0.00
    15 Year Fixed

    2.750%

    2.798%

    0.00
    10 Year Fixed 2.750%  2.820% 0.00

    Super Conforming Fixed-Rate Loan (Loan Amounts $548,251 to $822,375)

    Term Rate APR* Points
    30 Year Fixed 3.000% 3.025% 0.00
    20 Year Fixed

    2.875%

    2.909%

    0.00
    15 Year Fixed

    2.875%

    2.920%

    0.00
    10 Year Fixed 2.750%  2.813% 0.00

    Jumbo Fixed-Rate Loan (Loan Amounts $822,376 to $1,500,000)

    Term Rate APR* Points
    30 Year Fixed 3.125% 3.149% 0.00
    20 Year Fixed

    3.000%

    3.032%

    0.00
    15 Year Fixed

    3.125%

    3.168%

    0.00
    10 Year Fixed 3.000%  3.061% 0.00

    Conforming Adjustable Loan (Loan Amounts $548.250 and Under)

    Term Rate APR* Points
    3/1 ARM 2.875% 2.907% 0.00
    5/1 ARM

    3.000%

    2.950%

    0.00
    5/5 ARM

    3.250%

    3.038%

    0.00
    7/1 ARM 3.125%  3.022% 0.00
    10/1 ARM 3.250% 3.135% 0.00

    Jumbo Adjustable Loan (Loan Amounts $548,250 to $1,500,000)

    Term Rate APR* Points
    3/1 ARM 2.875% 2.902% 0.00
    5/1 ARM

    3.000%

    2.945%

    0.00
    5/5 ARM

    3.250%

    3.033%

    0.00
    7/1 ARM 3.125%  3.017% 0.00
    10/1 ARM 3.250% 3.130% 0.00

     

*APR = Annual Percentage Rate. Advertised rates are effective as of September 1, 2021 and are for mortgage loan types: Conforming, Super Conforming, and Jumbo. Contact a Mortgage Consultant for current rates. Your actual interest rate will be determined at the time an interest rate lock is completed. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to approval and additional restrictions may apply. Mortgage loan services provided by Member First Mortgage LLC (NMLS ID #149532) Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. CommonWealth Central Credit Union (NMLS ID #458544).