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Refinance

Your Mortgage While Rates Are Still Low

Now might be a great time to refinance your mortgage. Competitive rates, dedicated service, and a variety of options to choose from, including no closing costs.*

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Refinance with a Fremont Bank Mortgage

Business Hours
Monday-Friday 8:00 a.m.- 6:00 p.m.
Saturday 9:00a.m.-1:00 p.m.
(Pacific Time, Excluding Holidays)

Now is a great time to consider refinancing. Mortgage rates are still low, but they won't stay this way forever!

Fremont Bank offers competitive mortgage rates and personalized service in Southern California that makes the process smooth and trouble free, from beginning to end. With over 50 years’ experience as a trusted California institution, you can be assured you’re in good hands.

Refinancing a Mortgage

Fremont Bank has built a strong reputation as a refinance leader. And now may be your best chance to refinance your mortgage to a low interest rate, especially if your home value has risen or if interest rates drop. Refinancing can help you lower your monthly payments, reduce your total payment amount, consolidate debt or get cash out ² to put your home equity to good use. Whatever your purpose is to refinance, we’ll help you through the process from rate locking to signing.

Call (866) 924-9495 today to speak with a mortgage specialist or complete the form above for a free no-obligation consultation.

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Today's Refinance Mortgage Rates

30 Year Fixed Rate

Loan Amount

$400,000.00

Interest Rate

7.500%

APR¹

7.500%

Loan Term

30 years

Down Payment

40%

Loan-to-Value (LTV)

60%

Points

0.000

Monthly Principal & Interest Payments*

360 payments of $2,796.86

15 Year Fixed Rate

Loan Amount

$400,000.00

Interest Rate

7.375%

APR¹

7.375%

Loan Term

15 years

Down Payment

40%

Loan-to-Value (LTV)

60%

Points

0.000

Monthly Principal & Interest Payments*

180 payments of $3,679.69

*Payments displayed do not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.

Hear what our clients are saying about Fremont Bank

“I've had at least five home loans with Fremont Bank over the years. They have the best rates and the people are so helpful.”

- John D., Hayward

Loan Assumptions and Disclosures
Rates and terms valid as of 10/16/2026 09:10 AM and are subject to change without notice.

Loan data is for informational purposes only, and is based on refinance of owner occupied single-family homes only; rates for cash-out refinance may be higher. The actual fees, costs and monthly payment on your specific loan transaction may be higher or lower than those quoted based on your information, which may be determined after you apply. This is not a credit decision or a commitment to lend. Loan interest rates are based on current market rates, are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type, borrower credit history. Mortgage insurance may be required if loan-to-value (LTV) is higher than 80% which could increase the monthly payment and APR.

Adequate property insurance (which may include flood insurance) is required. Borrower responsible for insurance requirements and applicable state, county, city taxes which can be substantial. Additional loan programs may be available. Other restrictions may apply.

1 The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR above based on interest rate, loan origination fees and applicable closing costs and does not take into account other loan specific finance charges you may be required to pay. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply.

*No Closing Cost 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 as a credit on your Closing Disclosure statement. Application fee is non-refundable if your loan is denied, withdrawn or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

2 Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation. Other loan programs are also available. If you are a servicemember on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.

Loans available for properties located in CA and NV. Not all products available in all areas. Loans subject to credit qualifications and underwriting requirements. Property type and other restrictions may apply. Other loan programs available. Call for details.

WLCON-0096B-0716