Buying a home is one of the biggest financial decisions you’ll make in your lifetime. We understand you’ll have questions and we’re here to provide answers.
Whether it’s your first home, a vacation property or an investment purchase, we’ll help you get there.
With low fees, flexible programs, and expert advice, we’ll work with you to help you find your place to call home.
Fixed-and adjustable-rate options plus low-down-payment and bridge-loan-alternative programs
Personalized advice and guidance at each step – find your Home Loan Consultant
Explore our First-Time Buyer Learning Center to learn about the home-buying process
Make offers with confidence and learn more about getting pre-approved upfront
Lock in your rate while you make offers on homes1
We consistently meet deadlines and close quickly
Rates Effective 04/30/2025
|
Loan Program |
Amount |
Rate |
APR2 |
|---|---|---|---|
| 30-Year Fixed | $50,000 to $806,500 | 6.625% | 6.711% |
| 30-Year Fixed (No Closing Costs, 3% Down)6 | $50,000 to $806,500 | 7.125% | 7.186% |
| 20-Year Fixed | $50,000 to $806,500 | 6.125% | 6.230% |
| 15-Year Fixed | $50,000 to $806,500 | 6.000% | 6.130% |
| 10-Year Fixed | $50,000 to $806,500 | 5.625% | 5.800% |
| 30-Year Fixed High Balance | $806,501 to $1,209,750 | 6.750% | 6.831% |
| 15-Year Fixed High Balance | $806,501 to $1,209,750 | 6.375% | 6.501% |
| 15-Year Fixed Jumbo | $806,501 to $2,500,000 | 6.500% | 6.615% |
| 30-Year Fixed Jumbo | $806,501 to $2,500,000 | 6.875% | 6.950% |
*Speak to a Home Loan Consultant about FHA, VA and USDA rates.
Rates Effective 04/30/2025
|
Loan Program |
Amount |
Rate |
APR2 |
|---|---|---|---|
|
5/1 30-Year Adjustable3 |
$50,000 to $806,500 | 5.875% | 6.180% |
|
5/5 30-Year Adjustable4 |
$50,000 to $806,500 | 6.000% | 6.077% |
|
7/1 30-Year Adjustable3 |
$50,000 to $806,500 | 5.875% | 6.135% |
|
10/1 30-Year Adjustable3 |
$50,000 to $806,500 | 6.250% | 6.331% |
|
10/10 30-Year Adjustable5 |
$50,000 to $806,500 | 6.375% | 6.584% |
|
5/1 30-Year Adjustable Jumbo3 |
$806,501 to $2,500,000 | 5.625% | 6.067% |
|
5/5 30-Year Adjustable Jumbo4 |
$806,501 to $2,500,000 | 5.750% | 5.964% |
|
7/1 30-Year Adjustable Jumbo3 |
$806,501 to $2,500,000 | 5.625% | 5.993% |
|
10/1 30-Year Adjustable Jumbo3 |
$806,501 to $2,500,000 | 5.750% | 5.984% |
|
10/10 30-Year Adjustable Jumbo5 |
$806,501 to $2,500,000 | 5.875% | 6.280% |
How much home can I afford? (Below, “Monthly child support payments” refers to child support payments made as a monthly expense, not to income from child support.)
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
We’ll guide you through this step. We recommend having a preliminary conversation with one of our Home Loan Consultants first. They’ll ask you some questions about your goals, down payment basics, income and more to get an idea at what price point you may qualify for. To get an actual amount and estimate of your monthly payments and costs, you’ll want to apply and get pre-approved.
Your mortgage loan’s interest rate is affected by a variety of things, including your credit score, down payment, and the amount of your mortgage loan, among other factors. We encourage you to speak to a Home Loan Consultant for a more accurate quote.
It’s a common misconception that you need a 20% down payment to buy a home. In fact, you can get into a home with a down payment as low as 3% and no closing costs6. We offer several programs designed to help make homeownership more affordable.
Here’s an overview of the most common options and their benefits:
Down Payment Assistance Loan
3% Down First-Time Buyer Loan
5% Down Loan
10% Down Piggyback Loan
Buying a home is an exciting milestone, but there’s a lot of information out there and it can feel overwhelming at times. Having a good partner on your side can make all the difference.
Our Home Loan Consultants are experts in their trade, and bring local expertise, guidance, and support throughout the entire process. They’ll answer all of your questions so you’re well-informed and ready to take the next step toward your new home.
Learn more from our well-being resources.
1 Lock and Shop program is available for first (1st) mortgage Jumbo loan purchase transactions only. Must have a home loan application with Patelco to lock in a rate. Patelco will honor your rate up to 30 days from the date it is locked. Once a fully-executed purchase contract is received, the rate will prevail until loan funding.
2 APR = Annual Percentage Rate. APRs are based on the following:
Conforming rate shown at 60% loan-to-value (LTV), owner-occupied purchase with excellent credit and no subordinate financing. Your rate may be different than what is shown, there are pricing adjustments on certain scenarios. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.
High-Balance Mortgages allow for higher loan limits beyond the $806,500 conforming limit up to $1,000,000.00 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.
3 The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve. The caps are 2% annually and 6% lifetime based on the initial rate. The current index is 3.98%. Your rate may be different than what is shown.
4 The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve. The caps are 2% every adjustment and 5% lifetime based on the initial rate. The current index is 3.97%. Your rate may be different than what is shown.
5 The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve. The caps are 3% every adjustment and 6% lifetime based on the initial rate. The current index is 4.34%. Your rate may be different than what is shown.
6 Closing costs fees covered by Patelco include applicable title, escrow and recording cost fees and will appear on the Closing Disclosure. The appraisal and credit report fee will be paid up-front by the member and reimbursed at closing. Hazard Insurance, Taxes, HOA fees, Purchase Owner’s Policy, Transfer Tax and Mortgage Insurance (if applicable) are not covered by Patelco. Loans subject to credit and collateral approval. Loans over 80% LTV require mortgage insurance.
7 Similar to a first mortgage, your home serves as collateral for Down Payment Assistance loans. This means you must immediately pay off Down Payment Assistance loans if you sell your home. Additionally, your home could be foreclosed if you don’t make the required payments, depending on the terms of your specific Down Payment Assistance Loan.
8 At least one borrower is a first-time home buyer (had no ownership interest in a property in the last three years). Applicable on the purchase of a single-family residence and 30-year fixed conforming loans with minimum 740 FICO. FHL Bank San Francisco Middle-Income Down Payment assistance program is not available in all counties. Terms and conditions are subject to change. Enrollment in the program is not a guarantee to the homebuyer of receipt of funds.
9 Eligible for conforming loan amounts and 95% loan-to-value (LTV) available on 15-and 30-year fixed jumbo mortgages only. Loans over 80% LTV require mortgage insurance.
