Montecito Mortgages

Current mortgage rates and quotes from multiple lenders in Montecito, CA

  • Rate: 4.750%
  • Payment: $1,044
  • PenFed Credit Union
  • APR: 4.836% | Points: 0 | Fees: $2,000
  • NMLS# 401822
  • About Us: Established in 1935, PenFed today is one of the country’s strongest and most stable financial institutions with over 1.3 million members and over $18 billion in assets. We serve members in all 50 states and the District of Columbia, as well as on military bases in Guam, Puerto Rico and Okinawa. We are federally insured by NCUA and an equal housing lender. And we are available to members worldwide via the web seven days a week. 24 hours a day. In simple terms, we see every day as an opportunity to help our members “Do Better.” We invite you to learn how PenFed can help you realize your financial goals.
  • Rate: 5.125%
  • Payment: $1,089
  • Flagstar Bank
  • APR: 5.139% | Points: 0 | Fees: $320
  • NMLS# 417490
  • About Us: At Flagstar, we pride ourselves as mortgage experts with a distinctive, personal focus, in all 50 states. We’ve been helping families with their mortgage needs for over 30 years and are a top 5 bank mortgage originator. We are also a leading servicer of mortgage loans, handling the recordkeeping for $91 billion of home loans.
  • Rate: 4.750%
  • Payment: $1,044
  • Agora Lending
  • APR: 4.821% | Points: 0 | Fees: $1,650
  • NMLS# 1121650
  • About Us: Founded in 2013, Agora Lending is a next-generation mortgage software company and direct lender that originates high quality mortgage loans. We are wildly passionate about providing the consumer with an industry-leading price and a highly-intuitive, transparent, and efficient loan process.

California Average Home Loan Rates

Loan Type Rate APR
Home Equity Line of Credit 5.707% N/A
Home Equity Loan - 10 Years $50000 5.964% N/A
15 Year Fixed Conforming 4.233% 4.346%
15 Year fixed Jumbo 4.372% 4.458%
30 Year Fixed Conforming 4.773% 4.843%
30 Year Fixed Jumbo 4.765% 4.814%
3/1 Year ARM Jumbo 3.664% 4.920%
5/1 Year ARM Conforming 4.014% 4.879%
7/1 Year ARM Conforming 4.270% 4.851%
10/1 Year ARM Conforming 4.513% 4.849%
10/1 Year ARM Jumbo 4.414% 4.793%

Montecito Conditions

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