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Fremont Bank
Mortgage Rates

Today's Mortgage Rates

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

We offer attractive rates and flexible terms on both Purchase and Refinance loans. Browse our rates below to find a loan that fits your home lending needs. These rates are based on certain assumptions for a well-qualified borrower. For customized rates based on your particular situation, click here.

 

Click a row to see detailed information about that loan product and rate.

 
Refinance
Purchase

Conforming

Conforming Loans

A mortgage loan that conforms to Fannie Mae and Freddie Mac guidelines. Guidelines include loan amount, loan-to-value, debt-to-income and credit score and history.

Loan size is generally limited to $424,100

Fixed Rate Mortgages
Eligible for No Closing Costs2 Compare fixed rate mortgages.
Product   Interest Rate APR1
10 Year Fixed Rate

2.990 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 10 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Interest Rate: 2.990%
APR1 : 2.990%
Estimated Principal & Interest Payments*: 120 Monthly Payments of $3,860.58
 2.990%  2.990%
15 Year Fixed Rate

3.375 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 15 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Interest Rate: 3.375%
APR1 : 3.375%
Estimated Principal & Interest Payments*: 180 Monthly Payments of $2,835.04
 3.375%  3.375%
30 Year Fixed Rate

3.990 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 30 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Interest Rate: 3.990%
APR1 : 3.990%
Estimated Principal & Interest Payments*: 360 Monthly Payments of $1,907.36
 3.990%  3.990%
Conforming

Conforming Loans

A mortgage loan that conforms to Fannie Mae and Freddie Mac guidelines. Guidelines include loan amount, loan-to-value, debt-to-income and credit score and history.

Loan size is generally limited to $424,100

Adjustable Rate Mortgages
Eligible for No Closing Costs2 Compare adjustable rate mortgages.
Product   Interest Rate APR1
5/1 ARM

3.735 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 30 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Initial Interest Rate: 3.250%
APR1: 3.735%
Time Period of Initial Rate: 60 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 2.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 5 60 Monthly Payments of $1,740.83
Years 6 - 30 300 Monthly Payments between $2,140.67 - $2,789.43
 3.250%  3.735%
7/1 ARM

3.824 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 30 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Initial Interest Rate: 3.625%
APR1: 3.824%
Time Period of Initial Rate: 84 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 5.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 7 84 Monthly Payments of $1,824.21
Years 8 - 30 276 Maximum Monthly Principal and Interest Payments of $2,846.83
 3.625%  3.824%
10/1 ARM

4.000 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 30 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Initial Interest Rate: 4.000%
APR1: 4.000%
Time Period of Initial Rate: 120 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 5.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 10 120 Monthly Payments of $1,909.66
Years 11 - 30 240 Maximum Monthly Principal and Interest Payments of $2,835.36
 4.000%  4.000%
High-Balance

High-Balance Mortgage Loans

A High-Balance Mortgage Loan is defined as a conventional mortgage loan where the loan amount exceeds the conforming loan limits. Specific high-cost area loan limits are established annually for each county (or equivalent) by the Federal Housing Finance Agency (FHFA).

Loan size greater than $424,100 and available up to $636,150

Mortgage Loans
Eligible for No Closing Costs2 Compare high-balance mortgages.
Product   Interest Rate APR1
15 Year Fixed Rate

3.625 % APR1

Sample Loan

Loan Amount: $600,000.00
Loan Term: 15 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Interest Rate: 3.625%
APR1 : 3.625%
Estimated Principal & Interest Payments*: 180 Monthly Payments of $4,326.22
 3.625%  3.625%
30 Year Fixed Rate

4.000 % APR1

Sample Loan

Loan Amount: $600,000.00
Loan Term: 30 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Interest Rate: 4.000%
APR1 : 4.000%
Estimated Principal & Interest Payments*: 360 Monthly Payments of $2,864.49
 4.000%  4.000%
Jumbo

Jumbo Loans

Jumbo loans are mortgages with loan amounts greater than the conforming and conforming high-balance loan limits. These loans allow you to borrow more, but may require a higher credit score and a larger down payment.

Current conforming loan limit for a single-family home is $424,100

Loans
Not eligible for No Closing Cost option. Call 866-617-7298 for details.
Compare jumbo loans.
Product   Interest Rate APR1
5/1 Jumbo ARM

3.637 % APR1

Sample Loan

Loan Amount: $750,000.00
Loan Term: 30 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Initial Interest Rate: 3.000%
APR1: 3.637%
Time Period of Initial Rate: 60 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 2.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 5 60 Monthly Payments of $3,162.03
Years 6 - 30 300 Monthly Payments between $3,898.03 - $5,095.31
 3.000%  3.637%
7/1 Jumbo ARM

3.596 % APR1

Sample Loan

Loan Amount: $750,000.00
Loan Term: 30 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Initial Interest Rate: 3.125%
APR1: 3.596%
Time Period of Initial Rate: 84 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 2.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 7 84 Monthly Payments of $3,212.82
Years 8 - 30 276 Monthly Payments between $3,902.32 - $5,011.90
 3.125%  3.596%
30 Year Jumbo Fixed

3.878 % APR1

Sample Loan

Loan Amount: $750,000.00
Loan Term: 30 years
Down Payment: 40%
Loan-to-Value (LTV): 60%
Interest Rate: 3.875%
APR1 : 3.878%
Estimated Principal & Interest Payments*: 360 Monthly Payments of $3,526.78
 3.875%  3.878%
Conforming

Conforming Loans

A mortgage loan that conforms to Fannie Mae and Freddie Mac guidelines. Guidelines include loan amount, loan-to-value, debt-to-income and credit score and history.

Loan size is generally limited to $424,100

Fixed Rate Mortgages
Eligible for No Closing Costs2 Compare fixed rate mortgages.
Product   Interest Rate APR1
10 Year Fixed Rate

3.125 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 10 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Interest Rate: 3.125%
APR1 : 3.125%
Estimated Principal & Interest Payments*: 120 Monthly Payments of $3,885.55
 3.125%  3.125%
15 Year Fixed Rate

3.500 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 15 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Interest Rate: 3.500%
APR1 : 3.500%
Estimated Principal & Interest Payments*: 180 Monthly Payments of $2,859.53
 3.500%  3.500%
30 Year Fixed Rate

4.125 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 30 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Interest Rate: 4.125%
APR1 : 4.125%
Estimated Principal & Interest Payments*: 360 Monthly Payments of $1,938.60
 4.125%  4.125%
Conforming

Conforming Loans

A mortgage loan that conforms to Fannie Mae and Freddie Mac guidelines. Guidelines include loan amount, loan-to-value, debt-to-income and credit score and history.

Loan size is generally limited to $424,100

Adjustable Rate Mortgages
Eligible for No Closing Costs2 Compare adjustable rate mortgages.
Product   Interest Rate APR1
5/1 ARM

3.778 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 30 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Initial Interest Rate: 3.375%
APR1: 3.778%
Time Period of Initial Rate: 60 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 2.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 5 60 Monthly Payments of $1,768.38
Years 6 - 30 300 Monthly Payments between $2,171.87 - $2,825.67
 3.375%  3.778%
7/1 ARM

3.882 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 30 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Initial Interest Rate: 3.750%
APR1: 3.882%
Time Period of Initial Rate: 84 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 5.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 7 84 Monthly Payments of $1,852.46
Years 8 - 30 276 Maximum Monthly Principal and Interest Payments of $2,883.68
 3.750%  3.882%
10/1 ARM

4.078 % APR1

Sample Loan

Loan Amount: $400,000.00
Loan Term: 30 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Initial Interest Rate: 4.125%
APR1: 4.078%
Time Period of Initial Rate: 120 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 5.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 10 120 Monthly Payments of $1,938.60
Years 11 - 30 240 Maximum Monthly Principal and Interest Payments of $2,872.77
 4.125%  4.078%
High-Balance

High-Balance Mortgage Loans

A High-Balance Mortgage Loan is defined as a conventional mortgage loan where the loan amount exceeds the conforming loan limits. Specific high-cost area loan limits are established annually for each county (or equivalent) by the Federal Housing Finance Agency (FHFA).

Loan size greater than $424,100and available up to $636,150

Mortgage Loans
Eligible for No Closing Costs2 Compare high-balance mortgages.
Product   Interest Rate APR1
15 Year Fixed Rate

3.625 % APR1

Sample Loan

Loan Amount: $600,000.00
Loan Term: 15 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Interest Rate: 3.625%
APR1 : 3.625%
Estimated Principal & Interest Payments*: 180 Monthly Payments of $4,326.22
 3.625%  3.625%
30 Year Fixed Rate

4.000 % APR1

Sample Loan

Loan Amount: $600,000.00
Loan Term: 30 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Interest Rate: 4.000%
APR1 : 4.000%
Estimated Principal & Interest Payments*: 360 Monthly Payments of $2,864.49
 4.000%  4.000%
Jumbo

Jumbo Loans

Jumbo loans are mortgages with loan amounts greater than the conforming and conforming high-balance loan limits. These loans allow you to borrow more, but may require a higher credit score and a larger down payment.

Current conforming loan limit for a single-family home is $424,100

Loans
Not eligible for No Closing Cost option. Call 866-617-7298 for details.
Compare jumbo loans.
Product   Interest Rate APR1
5/1 Jumbo ARM

3.695 % APR1

Sample Loan

Loan Amount: $750,000.00
Loan Term: 30 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Initial Interest Rate: 3.125%
APR1: 3.695%
Time Period of Initial Rate: 60 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 2.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 5 60 Monthly Payments of $3,212.82
Years 6 - 30 300 Monthly Payments between $3,955.69 - $5,162.57
 3.125%  3.695%
7/1 Jumbo ARM

3.659 % APR1

Sample Loan

Loan Amount: $750,000.00
Loan Term: 30 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Initial Interest Rate: 3.250%
APR1: 3.659%
Time Period of Initial Rate: 84 months
Rate Change Frequency after Initial Period: 12 months
First Interest Rate Change Cap: 2.00%
Subsequent Rate Change Cap: 2.00%
Maximum Lifetime Cap Over Initial Rate: 5.00%
Estimated Principal & Interest Payments*:
Years 1 - 7 84 Monthly Payments of $3,264.05
Years 8 - 30 276 Monthly Payments between $3,960.33 - $5,079.60
 3.250%  3.659%
30 Year Jumbo Fixed

4.006 % APR1

Sample Loan

Loan Amount: $750,000.00
Loan Term: 30 years
Down Payment: 25%
Loan-to-Value (LTV): 75%
Interest Rate: 4.000%
APR1 : 4.006%
Estimated Principal & Interest Payments*: 360 Monthly Payments of $3,580.61
 4.000%  4.006%

These rates are based on certain assumptions for a well-qualified borrower. For customized rates based on your particular situation, click here.
 

Loan Assumptions and Disclosures

Rates and terms valid as of 6/23/2017 8:56 AM and subject to change  without notice.
Loan data is for informational purposes only, and is based on owner occupied single-family homes only.  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.

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.

 

2 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.
 

 

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