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


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"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


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"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


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"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


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"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
3.625
3.779
1.25
20 year fixed rate
3.375
3.588
1.25
15 year fixed rate
2.875
3.146
1.25
7 year fixed rate / ARM
2.75
2.896
1.25
5 year fixed rate / ARM
2.50
2.644
1.25

Jumbo Loans - more than $417,000 (more info)
Loan Program
Interest Rate %
APR
Points
30 year fixed rate
3.875
3.997
1.00
15 year fixed rate
3.25
3.465
1.00
7 year fixed rate / ARM
2.875
2.990
1.00
5 year fixed rate / ARM
2.625
2.739
1.00

Veteran Loans - VA, Cal-Vet (more info)
Loan Program
Interest Rate %
APR
Points
VA 30 year fixed rate
3.75
3.785
0
VA 15 year fixed rate
3.25
3.312
0
Cal-Vet (QMBF)
4.95
5.074
1.00
Cal-Vet (QVMBF)
5.50
5.628
1.00
Cal-Vet (Pre-Ullman)
5.95
6.081
1.00


Adjustable Rate Mortgage Indexes
11th District COFI:
1.163%
6 Month LIBOR:
0.73%
1 Year LIBOR:
1.05%
1 Year MTA:
0.147%
1 Year Treasury
0.19%
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


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Today's Rates
Program
Rate
APR
30 Yr Fixed
3.625%
3.779%
20 Yr Fixed
3.375%
3.588%
15 Yr Fixed
2.875%
3.146%
7 Yr Fixed/ARM
2.75%
2.896%
5 Yr Fixed/ARM
2.50%
2.644%