Current Mortgage Rates
Pacific Home Loans is committed to offering some of the most competitive mortgage interest rates available. With our wide variety of mortgage products, we can find a program to fit your individual needs – whether you are a first time homebuyer, a seasoned homeowner, an investor, or seeking a refinance.
| Loan Type | Current Rates | Points | APR |
|---|---|---|---|
| Conforming 30 Year Fixed | 6.125% | 1.77 | 6.33% |
| Jumbo 30 Year Fixed | 6.125% | 1.94 | 6.37% |
| Jumbo & Conforming 7/6 ARM | 6.0% | 1.8 | 6.20% |
Rates as of 5/30/2023 and can change without notice. Rate is based on 30-day lock for purchase transactions with 25% down and a FICO of 780.
Conforming loan limit in Hawaii is $1,089,300
Jumbo loan amounts up to $3,000,000 for a Primary and Second Home with 20% down
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice.
All loans are subject to credit approval. Your actual rate, payment, terms, and costs could be different. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
Featured Loan Program of the Month
| Loan Type | Current Rates | Points | APR |
|---|---|---|---|
| Condotel Jumbo & Conforming 7/6 ARM | 7.125% | 1.0 | 7.23% |
Rates as of 5/30/2023 and can change without notice. For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice.
All loans are subject to credit approval. Your actual rate, payment, terms, and costs could be different. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
Conforming loan limit in Hawaii is $1,089,300. Jumbo loan limit from $1,089,301. Rate is based on 30-day lock for purchase transactions with 25% down.
7 Year ARM Rate is based on 60-day lock for purchase transactions with 25% down. For Investor Condotel rates, add 0.675 points to the rate. The 7-year ARM is a 30-year loan with an initial fixed rate period of 7 years. After 7 years the loan will adjust once every 1 year for the remainder of the loan term. The formula for the rate adjustment is Margin + Index = Rate. Margin = 3.5% and is fixed for the life of the loan. The index is the SOFR. The start rate is the floor rate. The maximum the rate can adjust up for the first adjustment is 5% and then 1% for each subsequent adjustment. The maximum the rate can adjust up over the life of the loan is the start rate plus 5%. No prepayment penalty.
Pacific Home Loans | NMLS # 278194 | Equal Housing Opportunity
