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Oakland Mortgage Rates

Updated: November 15, 2018

Compare today's rates for Mortgage Refinance in CA

Loan Program
Purchase
Refinance
Loan Amount
Loan Type:
Credit Score
State

4.677%

APR
30 Year Fixed
4.625% Rate $1,029/mo
  • We specialize in a wide variety of loan programs to fit your exact needs.

5.164%

APR
30 Year Fixed
5.125% Rate $1,089/mo
  • Updated November 15, 2018
  • Welcome to Flagstar’s new online mortgage experience!

4.879%

APR
30 Year Fixed
4.875% Rate $1,059/mo
  • Updated November 15, 2018
  • Excellent Service, Great Rates and Convenience

5.028%

APR
30 Year Fixed
4.990% Rate $1,072/mo
  • Updated November 15, 2018
  • Close fast with very low rates! Our overhead is low and we pass the savings on to you!
  • No scripts or call menus, call us and reach a licensed loan officer for expert assistance!
  • A+ BBB Rating and fantastic customer reviews!

5.301%

APR
30 Year Fixed
5.250% Rate $1,105/mo
  • Updated November 15, 2018
  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.

5.375%

APR
30 Year Fixed
5.375% Rate $1,120/mo
  • Updated November 15, 2018
  • Refinance Your Home With Little to No Equity
  • 100% Online Lender - Fast and Easy Process
  • Learn about the loanDepot Lifetime Guarantee
Disclaimer

Mortgage rates for Oakland, California go up to 5.00%

Thursday, November 15, 2018

Mortgage rates for Oakland, California on Lender411 for 30-year fixed-rate mortgages are at 5.00%. That increased from 4.77% to 5.00%. The 15-year fixed rates are now at 4.13%. The 5/1 ARM mortgage for Oakland, California is now at 3.88%.

Oakland mortgage refinance ratesIf you're shopping for best Oakland mortgage rates, Lender411.com is where you want to be. Oakland is on the Eastern shore of the San Francisco Bay. Oakland has a seemingly Mediterranean climate. Despite some of the negative press Oakland has received due to a higher crime rate, Oakland has a vibrant night life, with something for everyone to enjoy.

Oakland FHA Loans

The Federal Housing Administration (FHA) insures loans that have long been favorites of first time buyers and those with smaller cash reserves thanks to its low down payment requirement and relaxed credit standards. If you qualify, you'll be subject to the following requirements:

  • Down payment, loan-to-value (LTV): 3.5%, 96.5%.
  • Credit score minimum: Typically 580 or greater. 
  • Debt-to-income (DTI): Typically 45-50% or less. 
  • Upfront mortgage insurance of 1.75% the base loan amount is required. 

Annual mortgage insurance premiums of varying percentage are also required, and paid monthly. New FHA borrowers, however, will receive annual MIP rates of half a percent lower than the original rate, typically 1.35%.

Oakland First Time Homebuyer Loan Programs

If you’re buying a home in Oakland for the first time, there are several different programs for you to use to help out with the financial cost, including first time buyer mortgage assistance for down payment help and other financing aid through the CalHome program. To learn more about these options and your eligibility, visit Lender411's page on Oakland first mortgage.

Popular loan programs

user suit Lenders in: Oakland, California.

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