Current Mortgage Rates

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Testimonials
Thank you so much for outlining all that math for us to consider. We save $900 every month from our Martinez renters so the increase in payment isn’t that big of a problem. Our concern is that, at some point, we want to add onto that house which will also have a payment.   I think we’ll  hold off for now, but if the rates go down then maybe we will  reconsider the Martinez house. So thanks again for everything.  We’ve done many refinances but this one on our Placerville home was, by far, the quickest and smoothest yet. It was a pleasure  doing business  with you.  
Seth and Laura CulverPlacerville, CA

About Interest Rates

Interest rates are a basic commodity, like gasoline or a head of lettuce, driven by the trading of Mortgage Backed Securities, which are packages of individual loans from originating lenders and purchased by investors.  Just like any security, their trading is dynamic and prices can and will fluctuate daily, even several times a day, driven by market dynamics.

We’re all dipping into the same marketplace at any given time, evaluating your scenario as it relates to where the market is priced at that time. What sets most lenders apart is their own margins added to the base security pricing. EZ Mortgages, is a lean, low overhead brokerage, with established relationships with some of the mortgage price leaders within the industry, which allows us to search for, and find you, the best pricing we can access for your scenario.

The interest rates listed on this site provide a snapshot of market activity at this time. However, your specific scenario may earn you better or worse rates than listed here.

To request a quote, please visit our Quote Request Page and submit either the Short Form or Long Form request. We’ll check today’s pricing for your scenario and respond to you as quickly as possible, usually within an hour.

Rates listed on this site are for informational purposes only, and may differ depending upon your exact scenario. You may have access to better or worse rate and fee structures, depending on your credit history, credit scores, loan amount, loan to value ratio, property type, occupancy and loan program. In order to provide a firm quote specific to your scenario with actual figures and current market pricing, we need to build a full loan file and run your credit, at which point we are required to provide you with an accurate, Good Faith Estimate that is binding to us and the fees presented to you.  We typically provide that within hours of building your loan file. Rates and fees are subject to change, based upon market activity, until your loan is locked.