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What Are The Best 30 Year Fixed Rates Today in Laguna Niguel, CA?

by EdwardBlithe816 from Laguna Niguel, California. Feb 1st 2017 Reply


Larry Gray (lgray_312_247)
#4 ranked lender in California - 1,127 contributions

That is a very difficult question for any mortgage consultant at a direct lending mortgage company, a credit union, or a bank. You can look up rates advertised though there almost always is seeming deception as they are designed simply to get consumers to call them. A very heavily used mortgage professionals website puts up the actual numbers of the most well qualified borrowers and what they ACTUALLY get and on average today I saw 4.23% with low cost or approximately 4.3% APR. There will be some lower and some higher. I actually have not needed to LOOK up the exact rate today for us but we often provide one of the lower rates offered. I hope that gives you a better answer than you will ever get from advertising!

Feb 2nd 2017
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,797 contributions

Your question is impossible to answer with out getting much more info.. What's your loan amount? Higher loan amounts get better pricing, but if the loan amount exceeds FNMA's maximum loan amount, you go into Jumbo financing and the rate could get worse.. How much are you putting down? Larger down payments result in lower Loan to Value's (LTV) and lower LTV's get better pricing.. What is the property type? Single family home? condo? Mobile Home? Duplex, triplex, 4-plex? Each of these property types have different loan pricing.. What is the occupancy? Owner occupied? 2nd home? Investment? each of these have different loan pricing.. What about credit score??? I could go on, but I think you get it by now.. There's no way to just shoot out a rate without looking at the complete loan profile.. and any loan officer that does is probably someone you should avoid using.. you would be just setting yourself up for disappointment.. I'm a preferred Lender with Arizona and California being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Feb 3rd 2017
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Larry Gray (lgray_312_247)
#4 ranked lender in California - 1,127 contributions

I meant to add that I would be happy to include you on my list to be notified periodically on significant rate changes so you will not miss out on an opportunity to perhaps take advantage of a rare dip in the rates! You can reach me via my profile.

Feb 4th 2017
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