LoanAction Mortgage Services


Our Clients Say
"LoanAction got me a great rate on my home refinance. I'm paying my home off in less time and my payment didn't go up at all. They were awesome!"

- Jay A. Mission Viejo, CA


-----

"No other company would provide a written quote or a written closing cost estimate without a rate lock fee prior to an actual approval. LoanAction provided me a very competitive detailed estimate upfront and in writing. The thing that impressed me was there were no nasty surprises at closing. I received exactly what I was originally quoted."

- Richard G., San Diego, CA


-----

"I was extremely pleased with the services offered by LoanAction Mortgage Services. They exceeded my expectations! I recommend them to my friends and associates at every opportunity."

- Malynda S., Oroville, CA


-----

"We were very happy with our loan specialist, Mark Hansen. He offered great personal service and was responsive throughout the entire loan process. Keep offering great service!"

- Joe C., Rancho Cucamonga, CA


-----

"I've used LoanAction on five home loans so far. Their rates and service are second to none. I wouldn't do a loan through anyone else."

- Jerry P. San Diego, CA

TODAY'S INTEREST RATES

Updated as of :

Conforming Loans - $417,000 or less (more info)
Loan Program
Interest Rate %
APR
Points
30 year fixed rate
4.625
4.773
1.25
20 year fixed rate
4.25
4.45
1.25
15 year fixed rate
3.875
4.109
1.125
7 year fixed rate / ARM
3.625
3.767
1.25
5 year fixed rate / ARM
3.25
3.378
1.125
3 year fixed rate / ARM
3.375
3.575
1.25

Jumbo Loans - more than $417,000 (more info)
Loan Program
Interest Rate %
APR
Points
30 year fixed rate
4.75
4.872
1.00
15 year fixed rate
4.25
4.46
1.00
7 year fixed rate / ARM
4.25
4.369
1.00
5 year fixed rate / ARM
3.625
3.75
1.125

Veteran Loans - VA, Cal-Vet (more info)
Loan Program
Interest Rate %
APR
Points
VA 30 year fixed rate
4.50
4.586
1.00
VA 15 year fixed rate
3.75
3.90
1.00
VA 5 year fixed ARM
3.625
3.749
1.25
VA 3 year fixed ARM
4.25
4.368
1.125
Cal-Vet (Revenue)
5.50
5.628
1.00
Cal-Vet (General Obligation)
5.70
5.829
1.00
Cal-Vet (Unrestricted)
5.95
6.081
1.00


Adjustable Rate Mortgage Indexes
11th District COFI:
1.484%
6 Month LIBOR:
0.46%
1 Year LIBOR:
0.78%
1 Year MTA:
0.307%
1 Year Treasury
0.26%
Prime Rate:
3.25%


  • APR is based on a loan amount of $325,000 at 80% loan-to-value or less.
  • All rates are based on a 21 day lock period.
  • ARMs are based on the total of the index and margin. All rates quoted are for the fixed rate period only.


  • APR is based on a loan amount of $475,000 at 75% loan-to-value or less.
  • All rates are based on a 21 day lock period.
  • ARMs are based on the total of the index and margin. All rates quoted are for the fixed rate period only.


  • APR is based on a loan amount of $300,000 at 100% loan-to-value or less.
  • All rates are based on a 21 day lock period.


Abbreviations
APR - Annual Percentage Rate
ARM - Adjustable Rate Mortgage
COFI - Cost of Funds Index
LIBOR - London Interbank Offered Rate
MTA - Monthly Treasury Average


Free Loan Approval!



Today's Rates
Program
Rate
APR
30 Yr Fixed
4.625%
4.773%
20 Yr Fixed
4.25%
4.45%
15 Yr Fixed
3.875%
4.109%
7 Yr Fixed/ARM
3.625%
3.767%
5 Yr Fixed/ARM
3.25%
3.378%
3 Yr Fixed/ARM
3.375%
3.515%