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Fixed Rate Refinance California

Fixed Rate Refinance

10-Year Fixed Rate Mortgage at 3.125% APR1

10-Year Fixed Rate Mortgage at 3.125% APR1

Refinance Today: Request a Free No-Obligation Consultation

Our no closing cost2 fixed rate mortgage products are easy to understand and even easier to pay. With a fixed rate mortgage, you can lock in a low interest rate and know what your monthly principal and interest payment will be for the entire term of the loan.
 

Need Extra Cash?

With a Cash-Out Refinance3 you can access your home's available equity to consolidate higher interest rate debt like credit cards or pay for home improvements or other expenses. Your Fremont Bank Relationship Loan Officer can walk you through all our loan programs to help you determine the best option to fit your needs.

10-Year Fixed Rate Mortgage

3.125 % APR1
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Sample Loan
Loan Amount :
$400,000.00
Payment Terms :
120 months
Down Payment :
N/A
Loan-to-Value :
60%
Interest Rate :
3.125%
APR1 :
3.125%
Principal & Interest :
$3,885.55*

15-Year Fixed Rate Mortgage

3.250 % APR1
Locate a loan officer
Sample Loan
Loan Amount :
$400,000.00
Payment Terms :
180 months
Down Payment :
N/A
Loan-to-Value :
60%
Interest Rate :
3.250%
APR1 :
3.250%
Principal & Interest :
$2,810.68*

30-Year Fixed Rate Mortgage

3.990 % APR1
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Sample Loan
Loan Amount :
$400,000.00
Payment Terms :
360 months
Down Payment :
N/A
Loan-to-Value :
60%
Interest Rate :
3.990%
APR1 :
3.990%
Principal & Interest :
$1,907.36*

*Payment amounts do not include amounts for taxes 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

 

Loan assumptions and Disclosures

Rates and terms valid as of  3/4/2015 8:53 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.

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. 
 
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 HUD-1 at closing. 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.
 
3 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 AZ, CA, NV, or WA. Rates may not be available in all areas.  Actual rates may vary. Loans subject to credit qualifications and underwriting requirements. Property type and other restrictions may apply. Other loan programs available. Call for details. Refers to programs A120 - 10 year, A25 - 15 year, A5 - 30 year.

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