Mortgages &
Home Loans

Our Mortgages Without the MysterySM will make your loan process fast, easy, and transparent. Plus it’s backed by competitive rates, our No Closing Cost program,2 and friendly experts who will be with you every step of the way.

Talk to a mortgage expert (877) 528-1493
Home Loan Products

Find the Mortgage That's Best for You

We’re proud to provide a full range of financial services to home-buyers and homeowners. We offer great options for purchase financing, refinancing, and home equity lines of credit. Fremont Bank is well-equipped to serve your needs so let us help you find the best solution for you.


Put your dream of homeownership in motion with adjustable rate and fixed rate mortgages that fit your budget. Our industry-leading digital application streamlines the application process and industry experts are available to support you any time.


Refinance your current mortgage and tap into opportunities to potentially lower your monthly payment, your interest rate, change the term or take cash out.3

Home Equity Line of Credit (HELOC)

Use the equity in your home to pay for major renovations, upgrades, repairs, unplanned expenses and anything else you need.

Don’t Qualify For A Traditional Mortgage?

Our FHA, Home Ready®, and flexible loans are designed for those seeking a lower down payment requirement or who have unique credit or income circumstances.

Competitive Rates

Great Rates and Terms

Our attractive mortgage rates and variety of loan choices compete with the big lenders. Combine those with our local knowledge and tailored service and it’s easy to see why Fremont Bank is an excellent choice for your home lending needs.


Our mortgages include features like our No Closing Cost program with no surprises thanks to an APR (Annual Percentage Rate) that’s the same as the interest rate. Learn why that’s important here.

30 Year Fixed
% APR1
15 Year Fixed
% APR1
See Today's Rates


Thinking about refinancing? We offer great rates, No Closing Cost loan options and personalized service to help you through the process.

30 Year Fixed
% APR1
15 Year Fixed
% APR1
See Today's Rates

Rates valid as of 05/14/2021 03:01 PM. View Assumptions1

Financial Tools & Calculators

Our easy-to-use financial tools and calculators can help you crunch the numbers on mortgages, Home Equity Lines of Credit and other financial products. Use them as a guide for making more informed decisions.

What Our Clients Are Saying

As you’d expect by our name, our Bay Area presence is strong. But did you know that nearly a third of our loans serve customers throughout Southern California and Nevada? 
How can we help you with yours?

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Fremont Bank's more-than-fair policies helped my husband and I pay off a 30 year mortgage in 19 years...and retire early. Great bank, wonderful people!
Lola P.

We Don’t Just Do Mortgages

Fremont Bank can help you create the life you want through a variety of banking, borrowing and investing products. Empower yourself!

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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 and 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 is responsible for insurance requirements and applicable state, county and 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 is 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.

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.

Loans available for properties located in California and Nevada. 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.