Complimentary Pre-Approvals

Thinking about purchasing your dream home? Start the process by getting pre-approved with one of our mortgage experts.

Talk to a Mortgage Expert (877) 528-1481

Pre-Approval Benefits

With pre-approval, you will receive a conditional commitment in writing for an exact loan amount, allowing you to look for a home at or below that price level.

Get Started

Ready to get
pre-approved?

Get one step closer to owning your dream home with a complimentary pre-approval from Fremont Bank. Speak with a mortgage expert to get started.

Mortgage Rates

Today’s Mortgage Rates

Check the latest mortgage rates for our most popular home loan products. When you’re ready to apply, call us at (877) 528-1481 or start your application online.

30 Year Fixed Rate Mortgage

Loan Amount
$400,000.00
Interest Rate
3.125%
APR1
3.125%
Loan Term
30 years
Down Payment
25%
Loan-to-Value (LTV)
75%
Points
0.000
Monthly Principal & Interest Payments*
360 payments of $1,713.50

15 Year Fixed Rate Mortgage

Loan Amount
$400,000.00
Interest Rate
2.625%
APR1
2.625%
Loan Term
15 years
Down Payment
25%
Loan-to-Value (LTV)
75%
Points
0.000
Monthly Principal & Interest Payments*
180 payments of $2,690.76

30 Year Fixed Rate Mortgage

Loan Amount
$400,000.00
Interest Rate
2.990%
APR1
3.054%
Loan Term
30 years
Down Payment
25%
Loan-to-Value (LTV)
75%
Points
0.500
Monthly Principal & Interest Payments*
360 payments of $1,684.26

15 Year Fixed Rate Mortgage

Loan Amount
$400,000.00
Interest Rate
2.375%
APR1
2.507%
Loan Term
15 years
Down Payment
25%
Loan-to-Value (LTV)
75%
Points
0.625
Monthly Principal & Interest Payments*
180 payments of $2,643.68

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

Already Pre-Approved? Take the next step.

Make the next move toward your next home. Let our team help put your purchase home loan in motion.

Apply Online

Use your computer or smartphone from the comfort of your home.

Request a Call

Speak with a Loan Officer, who will help guide you through your purchase.

Locate a Loan Officer

Find a Relationship Loan Officer in your area.

Talk to an Expert

A loan representative can answer your questions and take your application.

Looking for Something Else?

Rates and terms valid as of  03/03/2021 09:31 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.

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.

3 Loans with points and/or fees (Closing Costs) may have a lower nominal interest rate than “No Closing Cost" loans. Discount points are a form of prepaid interest paid up front in exchange for a lower interest rate. The reduced interest rate will only save money over a long term; the longer a borrower plans to live in the home, the better the chance of reaching the "break-even" point. There are a variety of points and fee options, so please ask your loan officer about available programs to help you decide whether paying points is an option for you.

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.