Rates and terms are subject to change without notice. Actual rate will be determined after application and prior to execution of loan documents.

  • "No Closing Costs" loans are subject to terms and conditions of Fremont Bank's Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded (credited) at loan closing. Borrower is responsible for paying all fees and charges imposed by an existing third party lender (such as, a payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank.
  • First Mortgage Rates are for refinancing of existing loans with no cash out and no subordination of non-Fremont Bank liens or encumbrances and is based on a loan amount of $400,000. Maximum loan-to-value ratios: 30-year fixed is 60%; 15-year fixed is 60%; 3-year ARM is 60%; 5-year ARM is 60%. Rates apply to owner occupied, single-family properties only in California.
  • Minimum loan amount $100,000; Maximum loan amount $417,000.
  • All credit applications are subject to credit qualifications and Fremont Bank's underwriting requirements. Adequate property insurance (which may include flood insurance) is required.
  • For adjustable-rate mortgages, rates are subject to increase after the initial fixed-rate period. The term of the loan is 30 years.
  • Other restrictions may apply.
  • Additional rates and programs are available.
Loan and Payment information for fixed rate mortgage based on a loan amount of $400,000:
  30 Year Fixed 15 Year Fixed 10 Year Fixed
Interest Rate  3.875%  3.125%  2.875%
APR  3.875%  3.125%  2.875%
Term 30 Year 15 Year 10 Year
Monthly Payments* 360 @
180 @
120 @

* Payment amounts include principal and interest only and do not include amounts for taxes and insurance premiums or other fees such as homeowner association dues. Actual payment obligation will be higher.

Rates current as of 10/02/15 9:12 AM

© 2014 Fremont Bank | NMLS# 478471

Equal Housing Lender | Member FDIC