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Smart Rate Refinance California

Smart Rate Refinance

 

10-Year Fixed Rate Mortgage at 2.990% Rate & 3.042% APR1

Refinance2 Today: Request a Free No-Obligation Consultation

Be smart, refinance your home with a Smart Rate Mortgage. It’s the low rate, low cost, no hassle way to refinance. You’ll have access to one of the lowest rates available at Fremont Bank and it’s fixed for the entire term of the loan. Your costs are low, pay as little as $9953. Plus, you’ll receive exceptional client service from all of our local, friendly associates.


Fixed Rate vs. Adjustable Rate

The Smart Rate Mortgage is also available in a fully amortizing adjustable rate mortgage. Not sure what loan program is best for you? Contact us today to receive a free no-obligation consultation. Your designated Relationship Loan Officer will explain the features of the different loan programs available so that you can make an informed decision.

10-year fixed rate mortgage at

2.990% Rate 3.042% APR1
Sample Loan
Loan Amount :
$400,000.00
Down Payment :
N/A
Loan-to-Value :
80%
Interest Rate :
2.990%
APR1 :
3.042%
Payment Terms :
120 months
Principal & Interest :
$3,860.58*

15-year fixed rate mortgage at

3.125% Rate 3.161% APR1
Sample Loan
Loan Amount :
$400,000.00
Down Payment :
N/A
Loan-to-Value :
80%
Interest Rate :
3.125%
APR1 :
3.161%
Payment Terms :
180 months
Principal & Interest :
$2,786.44*

30-year fixed rate mortgage at

3.990% Rate 4.011% APR1
Sample Loan
Loan Amount :
$400,000.00
Down Payment :
N/A
Loan-to-Value :
80%
Interest Rate :
3.990%
APR1 :
4.011%
Payment Terms :
360 months
Principal & Interest :
$1,907.36*

*Payment amount does not include amounts for taxes and insurance purposes and insurance premiums. Actual payment obligation will be higher.
 

Customer Testimonials

“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, CA

“Our refi was completed in one month from query phone call to loan payoff. Their efficiency is rare and wonderful... Overall, a great lender." – Elaine Q., Sunnyvale, CA

"We have now refinanced two properties with Fremont Bank. They are a pleasure to deal with. Just straight facts and information without stringing you along for months like some other banks do." – Julie P., San Leandro, CA


Other Products you might be interested in:

Adjustable Rate Refinance
HELOC
 

1 This refinance loan is based on owner occupied single-family homes only. Maximum loan-to-value (LTV) ratio is 60%. Mortgage insurance may be required on the loan if LTV is higher than 80% and could increase the monthly payment and the APR. Loan amounts $125,000-$417,000. Subject to credit qualifications and underwriting requirements. 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. Rates and Terms effective 5/22/2015 8:52 AM and subject to change. Other restrictions may apply. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock cannot be placed prior to final underwriting approval.

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. Restrictions apply.

3 $995 applies to loans on owner-occupied single-family homes or vacation homes; $1,095 for investment properties and $1,350 for 2-4 unit properties. Does not include prepaid items and third party costs such as prepaid interest, property and transfer taxes, property, flood or private mortgage insurance premiums, survey and inspection costs, impounds, title insurance and related services. Borrower is responsible for paying all fees and charges imposed directly or indirectly 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 or subordination fees imposed by any third party lender or Fremont Bank. An application fee will be required after a loan application is submitted. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

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