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Monday, November 26, 2018

Today's Mortgage Rates



(If you are reading this in your email, click So EZ Mortgage Rates, to see live rates for today.)


0% Down 30 Year Fixed VA 680 FICO $350k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.25098.8831.1174.358$1,722$4,475Details
4.37599.4290.5714.437$1,748$2,564Details
4.50099.9600.0404.517$1,773$705Details
4.625100.4740.0004.625$1,799$-1,094Details
4.750100.7410.0004.750$1,826$-2,029Details

10% Down 30 YR Fixed Conventional $500k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.37598.3551.6454.543$2,247$8,821Details
4.50099.0460.9544.609$2,280$5,711Details
4.62599.6640.3364.681$2,314$2,930Details
4.750100.2920.0004.752$2,347$104Details
4.875100.8930.0004.875$2,381$-2,600Details

15% Down 30 YR Fixed Conforming $800k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.37598.0551.9454.560$3,390$14,625Details
4.50098.7461.2544.626$3,440$9,933Details
4.62599.3640.6364.698$3,491$5,736Details
4.75099.9920.0084.769$3,542$1,472Details
4.875100.5930.0004.875$3,593$-2,608Details

3% Down 30 YR Fixed Conforming $250k HP Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.75099.9030.0974.809$1,265$1,653Details
4.875100.5040.0004.882$1,283$196Details
4.990100.7980.0004.990$1,300$-517Details
5.125101.4120.0005.125$1,320$-2,006Details
5.250101.9400.0005.250$1,339$-3,286Details

3.5% Down 30 Yr Fixed FHA 580 FICO $250k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
5.125101.0620.0006.097$1,484$3,077Details
5.250101.1500.0006.215$1,502$2,865Details
5.375101.1850.0006.337$1,521$2,780Details
5.500101.6140.0006.421$1,540$1,745Details
5.625102.0260.0006.506$1,559$751Details

3.5% Down 30 Yr Fixed FHA 720 FICO $250k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
5.125102.5620.0005.975$1,484$-542Details
5.250102.6500.0006.100$1,502$-754Details
5.375102.6850.0006.225$1,521$-839Details
5.500103.1140.0006.350$1,540$-1,874Details
5.625103.5260.0006.475$1,559$-2,867Details

60% LTV 30 Yr Fixed Conf. 620 FICO $600k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.87599.4750.5254.957$1,852$3,256Details
4.99099.9860.0145.027$1,877$1,467Details
5.125100.3830.0005.127$1,906$78Details
5.250100.9110.0005.250$1,933$-1,770Details
5.375101.2620.0005.375$1,960$-2,999Details

Super Conforming Refinance | Condo | 20% Equity |
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.87599.3210.6794.977$2,625$5,767Details
4.99099.8320.1685.047$2,660$3,232Details
5.125100.2290.0005.148$2,701$1,263Details
5.250100.7570.0005.250$2,739$-1,356Details
5.375101.1580.0005.375$2,777$-3,345Details


Compare us to the competition (If clicking the link does not work, right click and open in new tab):
  1. Quicken Loans
  2. Zillow
  3. Your Own Bank
  4. Nova Home Loans
  5. Provident Credit Union
  6. Wells Fargo
  7. Chase
  8. BofA
  • Refinance rates include the third party fees, there are no hidden surprises.
  • Purchase rates do not show the third party fees since those are chosen by the seller. (Some sellers offer a seller credit to cover these cost, consult your realtor) If you want to estimate the cost of third party fees on a typical purchase, the chart below will make it EZ for you.
  • Veterans recieve a free underwriter fee waiver when applying for VA products, you can see this by clicking details on a VA product. 
Arizona Purchase
  • Closing Fee= $625
  • Courier Fee= $45
  • Search/Exam Fee= $295
  • Tax Certification Fee= $35
  • Wire Fee= $20
  • CPL Fee= $5
  • Owners Policy Premium (if applicable)= $693
  • Mortgage Policy Premium (if applicable) varies based on loan amount

California Purchase

  • Closing Fee= $850
  • Courier Fee= $45
  • Notary Fee= $125
  • Tax Certificate Fee= $18
  • Wire Fee= $25
  • Owners Policy Premium (if applicable)= $583
  • Mortgage Policy Premium (if applicable) varies based on loan amount
To better serve our real estate partners and clients, we here at So EZ Mortgage, have prepared a brief summary of mortgage rates for the most common loan programs. 

Please note that rates vary dependent upon credit scores and loan to value. Click details next to the rate you are interested and look at the top of the screen to see the full quote details. 


Michael J. Hansen
Owner/Broker/Originator
Direct:714.253.7868 (Text Allowed)
Toll-Free & FAX: (855)955-SOEZ


Equal Housing Lender
Disclaimer: So Easy Mortgage, Inc., DBA So EZ Mortgage | Veteran Owned Company National Mortgage Licensing System:344532 NMLS Officer:1093652 CA Bureau of Real Estate Officer:01940614 CalBRE Broker:01885141 AZ Department of Financial Institutions:0123453 AZDFI CA Office: 0945395 AZDFI Loan Originator:0939162


Friday, November 23, 2018

Today's Mortgage Rates



(If you are reading this in your email, click So EZ Mortgage Rates, to see live rates for today.)


0% Down 30 Year Fixed VA 680 FICO $350k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.25098.9001.1004.357$1,722$4,415Details
4.37599.4470.5534.436$1,748$2,501Details
4.50099.9790.0214.516$1,773$639Details
4.625100.4930.0004.625$1,799$-1,161Details
4.750100.7430.0004.750$1,826$-2,035Details

10% Down 30 YR Fixed Conventional $500k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.37598.3531.6474.544$2,247$8,830Details
4.50099.0590.9414.608$2,280$5,653Details
4.62599.6850.3154.679$2,314$2,836Details
4.750100.3200.0004.750$2,347$-22Details
4.875100.9270.0004.875$2,381$-2,754Details

15% Down 30 YR Fixed Conforming $800k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.37598.0531.9474.561$3,390$14,638Details
4.50098.7591.2414.625$3,440$9,844Details
4.62599.3850.6154.696$3,491$5,594Details
4.750100.0200.0004.766$3,542$1,282Details
4.875100.6270.0004.875$3,593$-2,839Details

3% Down 30 YR Fixed Conforming $250k HP Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.75099.9310.0694.807$1,265$1,585Details
4.875100.5380.0004.879$1,283$113Details
4.990100.8260.0004.990$1,300$-585Details
5.125101.4350.0005.125$1,320$-2,062Details
5.250101.9760.0005.250$1,339$-3,374Details

3.5% Down 30 Yr Fixed FHA 580 FICO $250k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
5.125101.0670.0006.097$1,484$3,065Details
5.250101.1590.0006.214$1,502$2,843Details
5.375101.2450.0006.331$1,521$2,635Details
5.500101.6730.0006.415$1,540$1,603Details
5.625102.0860.0006.500$1,559$607Details

3.5% Down 30 Yr Fixed FHA 720 FICO $250k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
5.125102.5670.0005.975$1,484$-554Details
5.250102.6590.0006.100$1,502$-776Details
5.375102.7450.0006.225$1,521$-983Details
5.500103.1730.0006.350$1,540$-2,016Details
5.625103.5860.0006.475$1,559$-3,012Details

60% LTV 30 Yr Fixed Conf. 620 FICO $600k Purchase
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.87599.5090.4914.954$1,852$3,137Details
4.990100.0240.0005.024$1,877$1,334Details
5.125100.4060.0005.125$1,906$-3Details
5.250100.9470.0005.250$1,933$-1,896Details
5.375101.2980.0005.375$1,960$-3,125Details

Super Conforming Refinance | Condo | 20% Equity |
RatePriceDisc. PointsAPRPaymentClosing Cost 
4.75098.7481.2524.902$2,587$8,609Details
4.87599.3550.6454.974$2,625$5,598Details
4.99099.8700.1305.044$2,660$3,044Details
5.125100.2520.0005.146$2,701$1,149Details
5.250100.7930.0005.250$2,739$-1,534Details


Compare us to the competition (If clicking the link does not work, right click and open in new tab):
  1. Quicken Loans
  2. Zillow
  3. Your Own Bank
  4. Nova Home Loans
  5. Provident Credit Union
  6. Wells Fargo
  7. Chase
  8. BofA
  • Refinance rates include the third party fees, there are no hidden surprises.
  • Purchase rates do not show the third party fees since those are chosen by the seller. (Some sellers offer a seller credit to cover these cost, consult your realtor) If you want to estimate the cost of third party fees on a typical purchase, the chart below will make it EZ for you.
  • Veterans recieve a free underwriter fee waiver when applying for VA products, you can see this by clicking details on a VA product. 
Arizona Purchase
  • Closing Fee= $625
  • Courier Fee= $45
  • Search/Exam Fee= $295
  • Tax Certification Fee= $35
  • Wire Fee= $20
  • CPL Fee= $5
  • Owners Policy Premium (if applicable)= $693
  • Mortgage Policy Premium (if applicable) varies based on loan amount

California Purchase

  • Closing Fee= $850
  • Courier Fee= $45
  • Notary Fee= $125
  • Tax Certificate Fee= $18
  • Wire Fee= $25
  • Owners Policy Premium (if applicable)= $583
  • Mortgage Policy Premium (if applicable) varies based on loan amount
To better serve our real estate partners and clients, we here at So EZ Mortgage, have prepared a brief summary of mortgage rates for the most common loan programs. 

Please note that rates vary dependent upon credit scores and loan to value. Click details next to the rate you are interested and look at the top of the screen to see the full quote details. 


Michael J. Hansen
Owner/Broker/Originator
Direct:714.253.7868 (Text Allowed)
Toll-Free & FAX: (855)955-SOEZ


Equal Housing Lender
Disclaimer: So Easy Mortgage, Inc., DBA So EZ Mortgage | Veteran Owned Company National Mortgage Licensing System:344532 NMLS Officer:1093652 CA Bureau of Real Estate Officer:01940614 CalBRE Broker:01885141 AZ Department of Financial Institutions:0123453 AZDFI CA Office: 0945395 AZDFI Loan Originator:0939162


All pricing is subject to change without notice. Rates can change up to five times a day, on business days, during normal business hours EST.

Pricing cannot change after the market closes, this happens at 2PM PST

So EZ Home Loan Help Line