Every
Friday I publish a Survey of current rates for 16 of the most popular
loan programs. All rates shown are full-doc programs, priced at
“par”, that is, with no discount points or rebate. Thirty (30)
day locks are assumed.
As of
November 30th, 2021 the Federal Housing Finance Authority raised loan
limit across the country for various counties. The new
Conforming loan limit has been raised from $625,500 to $647,200 for
all counties.
Loan
amounts above the conforming limit of $647,200 go by a variety
of names: Agency Jumbos, Conforming Jumbos, Temporary Jumbos, and
Conforming High Balance—they are all one and the same. They also
came to be known as CONFORMING JUMBOS because they are LARGER than the
ordinary conforming loan amount of $647,200 and their purpose was to
provide niche financing for borrowers with more expensive properties.
The High Balance loan limit will increase to a maximum of $970,800 for
some counties. On the rate sheets they are designated as High
Balance Conforming loans.
Below
are the specific high balance limits for the contiguous counties:
LOS ANGELES COUNTY $
970,800
ORANGE COUNTY $ 970,800
RIVERSIDE COUNTY $ 647,200
SAN BERNARDINO COUNTY $ 647,200
SAN DIEGO COUNTY $ 879,750
Everything above the High Balance
loan limits for a particular county constitute Jumbo loan amounts.
So, for San Diego County loan amounts for jumbos range from $879,751 and
upward.
Obviously, it is not possible to
provide rates for all the different loan programs there are. So,
if you need pricing for a 15 or 40 year term, an Interest Only loan, a
FHA, VA, or a Home Equity Line of Credit (HELOC) call me at (760)
726-4600 or (760) 717-8584.
Please click the below links for
either current or past rates.
Current
Rates
Rates for 2024
Week of: 11/1/24 11/8/24 11/15/24
11/22/24 11/29/24
10/4/24 10/11/24 10/18/24 10/25/24
9/6/24 9/13/24 9/20/24 9/27/24
8/2/24 8/9/24 8/16/24 8/23/24 8/30/24
7/5/24 7/12/24 7/19/24 7/26/24
6/7/24 6/14/24 6/21/24 6/28/24
5/3/24 5/10/24 5/17/24 5/24/24 5/31/24
4/5/24 4/12/24 4/19/24 4/26/24
3/1/24 3/8/24 3/15/24 3/22/24 3/28/24
1/5/24 1/12/24 1/19/24 1/26/24
Rates for 2023
Week of:
12/1/23
12/8/23
12/15/23
12/22/23
12/29/23
11/3/23
11/10/23 11/17/23 11/24/23
10/6/23
10/13/23
10/20/23
10/27/23
9/1/23
9/8/23
9/15/23
9/22/23
9/29/23
8/4/23
8/11/23
8/18/23
8/25/23
7/7/23
7/14/23
7/20/23
7/28/23
6/2/23
6/9/23
6/16/23
6/23/23
6/30/23
5/5/23
5/12/23
5/19/23
5/26/23
4/7/23
4/14/23
4/21/23
4/28/23
3/3/23
3/10/23
3/17/23
3/24/23
3/31/23
2/3/23
2/10/23
2/17/23
2/24/24
1/6/23
1/13/23
1/20/23
1/27/23
Rates for 2022
Week of:
12/2/22 12/9/22 12/16/22 12/23/22 12/30/22
1/7/22
1/14/22
1/21/22
1/28/22
2/4/22 2/11/22 2/18/22 2/25/22
3/4/22 3/11/22 3/18/22 3/25/22
4/1/22 4/8/22 4/15/22 4/22/22 4/29/22
5/6/22 5/13/22 5/20/22 5/27/22
6/3/22
6/10/22
6/17/22
6/24/22
7/1/22 7/8/22 7/15/22 7/22/22 7/29/22
8/5/22 8/12/22 8/19/22 8/26/22
9/2/22 9/9/22 9/16/22 9/23/22 9/30/22
10/7/22 10/14/22 10/21/22 10/28/22
11/4/22 11/11/22 11/18/22 11/25/22
Rates for 2021
Week of: 12/3/21 12/10/21 12/17/21 12/24/21 12/30/21
11/5/21
11/12/21
11/19/21
11/25/21
10/1/21
10/8/21
10/15/21
10/22/21
10/29/21
9/3/21
9/10/21
9/17/21
9/24/21
8/6/21
8/13/21
8/20/21
8/27/21
7/2/21
7/9/21
7/16/21
7/23/21
7/30/21
6/4/21
6/11/21
6/18/21
6/25/21
5/7/21
5/14/21
5/21/21
5/28/21
4/2/21
4/9/21
4/16/21 4/23/21 4/30/21
3/5/21
3/12/21
3/19/21
3/26/21
2/5/21
2/12/21
2/19/21
2/26/21
1/8/21 1/15/21 1/22/21 1/29/21
Rates for 2020
Week of: 12/4/20 12/11/20 12/18/20 12/24/20 12/31/20
11/6/20 11/13/20 11/20/20 11/27/20
10/2/20 10/9/20 10/16/20 10/23/20 10/30/20
9/4/20 9/11/20 9/18/20 9/25/20
8/7/20 8/14/20 8/21/20
8/28/20
7/3/20 7/10/20 7/17/20 7/24/20 7/31/20
6/5/20 6/12/20 6/19/20 6/26/20
5/1/20 5/8/20 5/15/20 5/22/20 5/29/20
4/3/20 4/10/20 4/17/20 4/24/20
3/6/20 3/13/20 3/20/20 3/27/20
2/7/20 2/14/20 2/21/20 2/28/20
1/3/20 1/10/20
1/17/20 1/24/20 1/31/20
Rates for 2019
Week of: 12/6/19
12/13/19 12/20/19 12/27/19
11/1/19 11/8/19 11/15/19 11/22/19 11/29/19
10/4/19 10/11/19 10/18/19 10/25/19
9/6/19 9/13/19 9/20/19 9/27/19
8/2/19 8/9/19 8/16/19 8/23/19 8/30/19
7/5/19 7/12/19 7/19/19 7/26/19
6/7/19 6/14/19 6/21/19 6/28/19
5/3/19 5/10/19 5/17/19 5/24/19 5/31/19
4/5/19 4/12/19 4/18/19 4/26/19
3/1/19 3/8/19 3/15/19 3/22/19 3/29/19
1/4/19
1/11/19 1/18/19 1/25/19
Rates for 2018
Week of: 12/7/18 12/14/18
12/21/18 12/28/18
11/2/18 11/9/18 11/16/18 11/23/18 11/30/18
9/7/17 9/14/18 9/21/18 9/28/18
8/3/18 8/10/18 8/17/18 8/24/18 8/31/18
7/6/18 7/13/18 7/20/18 7/27/18
6/1/18 6/8/18 6/15/18 6/22/18 6/29/18
5/4/18 5/11/18 5/18/18 5/25/18
4/6/18 4/13/18 4/20/18 4/27/18
3/2/18 3/9/18 3/16/18 3/23/18 3/30/18
1/5/18
1/12/18 1/19/18 1/26/18
Rates for 2017
Week of: 12/1/17 12/8/17
12/15/17 12/22/17 12/29/17
11/3/17 11/10/17 11/17/17 11/24/17
10/6/17 10/13/17 10/20/27 10/27/17
9/2/17 9/8/17 9/15/17 9/22/17 9/29/17
8/4/17 8/11/17 8/18/17 8/25/17
7/7/17 7/14/17 7/21/17 7/28/17
6/2/17 6/9/17 6/16/17 6/23/17 6/30/17
5/5/17 5/12/17 5/19/17 5/26/17
4/7/17 4/14/17 4/21/17 4/28/17
3/3/17 3/10/17 3/17/17 3/24/17 3/31/17
2/3/17 2/10/17 2/17/17 2/24/17
1/6/17
1/13/17 1/20/17 1/27/17
Rates for
2016
Week of: 12/2/16 12/9/16
12/16/16 12/23/16 12/30/16
11/3/16 11/10/16 11/18/16 11/25/16
10/7/16 10/14/16 10/21/16 10/28/16
9/2/16 9/9/16 9/16/16 9/23/16 9/30/16
8/5/16 8/12/16 8/19/16 8/26/16
7/1/16 7/8/16 7/15/16 7/22/16 7/29/16
6/3/16 6/10/16 6/17/16 6/24/16
5/6/16 5/13/16 5/20/16 5/27/16
4/1/16 4/8/16 4/15/16 4/22/16 4/29/16
3/4/16 3/11/16 3/18/16 3/25/16
2/5/16 2/12/16 2/19/16 2/26/16
1/8/16
1/15/16 1/22/16 1/29/16
Rates for 2015
Week of: 12/4/15 12/11/15
12/18/15 12/31/15
11/6/15 11/13/15 11/20/15 11/27/15
10/2/15 10/9/15 10/16/15 10/23/15 10/30/15
9/4/15 9/11/15 9/18/15 9/25/15
8/7/15 8/14/15 8/21/15 8/28/15
7/2/15 7/10/15 7/17/15 7/24/15 7/31/15
6/5/15 6/12/15 6/19/15 6/26/15
5/1/15 5/8/15 5/15/15 5/22/15 5/29/15
4/3/15 4/10/15 4/17/15 4/24/15
3/6/15 3/13/15 3/20/15 3/27/15
2/6/15 2/13/15 2/20/15 2/27/15
1/2/15
1/9/15 1/16/15 1/23/15
1/30/15
Rates for 2014:
Week of: 12/5/14 12/12/14
12/19/14 12/26/14
11/7/14 11/14/14 11/21/14 11/28/14
10/3/14 10/10/14 10/17/14 10/24/14 10/31/14
9/5/14 9/12/14 9/19/14 9/26/14
8/1/14 8/8/14 8/15/14 8/22/14 8/29/14
7/3/14 7/11/14 7/18/14 7/25/14
6/6/14 6/13/14 6/20/14 6/27/14
5/2/14 5/9/14 5/16/14 5/23/14 5/30/14
4/4/14 4/11/14 4/17/14 4/25/14
3/7/14 3/14/14 3/21/14 3/28/14
2/7/14 2/14/14 2/21/14 2/28/14
1/3/14
1/10/14 1/17/14 1/24/14
1/31/14
Rates for 2013:
Week of: 12/6/13 12/13/13
12/20/13 12/27/13
1/4/13 1/11/13 1/18/13 1/25/13
3/1/13 3/8/13 3/15/13 3/22/13 3/29/13
4/5/13 4/12/13 4/19/13 4/26/13
5/3/13 5/10/13 5/17/13 5/24/13 5/31/13
6/7/13 6/14/13 6/21/13 6/28/13
7/5/13 7/12/13 7/19/13 7/27/13
8/2/13 8/9/13 8/16/13 8/23/13 8/30/13
9/6/13 9/13/13 9/20/13 9/27/13
10/4/13 10/11/13 10/18/13 10/25/13
11/1/13
11/8/13 11/15/13 11/22/13
11/29/13
Rates for 2012:
Week of: 12/7/12 12/14/12
12/21/12 12/28/12
1/6/12 1/13/12 1/20/12 1/27/12
2/3/12 2/10/12 2/17/12 2/24/12
3/2/12 3/9/12 3/16/12 3/23/12 3/30/12
4/6/12 4/13/12 4/20/12 4/27/12
5/4/12 5/11/12 5/18/12 5/25/12
7/6/12 7/13/12 7/20/12 7/27/12
8/3/12 8/10/12 8/17/12 8/24/12 8/31/12
9/7/12 9/14/12 9/21/12 9/28/12
10/5/12 10/12/12 10/19/12 10/26/12
11/2/12
11/9/12 11/16/12 11/23/12
11/30/12
Rates for 2011:
Week of: 12/2/11 12/9/11
12/16/11 12/23/11 12/30/11
11/4/11 11/11/11 11/18/11 11/25/11
10/7/11 10/14/11 10/21/11 10/28/11
9/02/11 9/09/11 9/16/11 9/23/11 9/30/11
8/05/11
8/12/11 8/19/11 8/26/11
7/01/11 7/08/11 7/15/11
7/22/11 7/29/11
6/03/11 6/10/11 6/17/11 6/24/11
5/06/11 5/13/11 5/20/11 5/27/11
4/01/11 4/08/11 4/15/11 4/22/11 4/29/11
3/4/11 3/11/11 3/18/11 3/25/11
2/4/11 2/11/11 2/18/11 2/25/11
1/7/11
1/14/11 1/21/11 1/28/11
Rates for 2010:
Week of: 12/3/10 12/10/10 12/17/10
12/24/10 12/31/10
11/5/10 11/12/10 11/19/10 11/26/10
10/1/10 10/8/10 10/15/10 10/22/10 10/29/10
9/3/10 9/10/10 9/17/10 9/24/10
8/6/10 8/13/10 8/20/10 8/27/10
7/30/10 7/23/10 7/16/10 7/9/10 7/2/10
6/25/10 6/18/10 6/11/10 6/4/10
5/28/10 5/21/10 5/14/10 5/7/10
4/30/10 4/23/10 4/16/10 4/9/10 4/2/10
3/26/10 3/19/10 3/12/10 3/5/10
2/26/10 2/19/10 2/12/10 2/5/10
1/29/10 1/22/10
1/15/10 1/8/10
Rates for 2009:
Week of: 12/31/09 12/24/09 12/18/09
12/11/09 12/4/09
11/27/09 11/20/09 11/13/09 11/06/09
10/30/09 10/23/09 10/16/09 10/9/09 10/2/09
9/25/09 9/18/09 9/11/09 9/4/09
8/28/09 8/21/09 8/14/09 8/7/09
7/31/09 7/24/09 7/17/09 7/10/09 7/2/09
6/26/09 6/19/09 6/12/09 6/5/09
5/29/09 5/22/09 5/15/09 5/8/09 5/1/09
4/24/09 4/17/09 4/10/09 4/3/09
3/27/09 3/20/09 3/13/09 3/6/09
2/27/09 2/20/09 2/13/09 2/6/09
1/30/09 1/23/09 1/16/09
1/9/09 1/2/09
Rates for 2008:
Week
of: 12/26/08
12/19/08 12/12/08 12/5/08
11/28/08 11/21/08 11/14/08 11/7/08
10/31/08 10/24/08 10/17/08 10/10/08 10/3/08
9/26/08 9/19/08 9/12/08 9/5/08
8/29/08 8/22/08 8/15/08 8/8/08 8/1/08
7/25/08 7/18/08 7/11/08 7/3/08
6/27/08 6/20/08 6/13/08 6/6/08
5/30/08 5/23/08 5/16/08 5/9/08 5/2/08
Copyright © 2024 Rod Haase. All rights reserved.