Mortgage Rates in Orange County, CA - Compare Rates & Save

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$ 3,597
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
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$ 3,743
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
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$ 3,842
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
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Live Mortgage Rate Quote Tool – Live Rates 24/7 

Over 15 years ago we decided to be one of the first mortgage companies to allow our clients to get rates and costs online with our online rate quote tool. This transparency has helped us build trust with our clients and empowered them to take control of the mortgage process and with guidance from our highly experienced Mortgage Advisors make informed decisions on what loan structure works best for their specific situation.

Current Mortgage Rates in Orange County, CA

Sammamish Mortgage is dedicated to presenting meticulously crafted mortgage rate quotes to homebuyers throughout California, with a special focus on the scenic landscapes of Orange County. Leverage our Instant Rate Quote tool to ascertain the current interest rates and closing costs that harmonize with your financial profile and loan choice. As mortgage rates see regular shifts due to variables like a borrower’s qualifications, obtaining a bespoke rate quote is vital for judicious planning. Beyond the horizons of California, we also serve states including Washington State, Oregon, Colorado, and Idaho.

Premier Mortgage Rates in Orange County, CA

Sammamish Mortgage, with its rich legacy of over 30 years, is renowned for its competitive rates across the Pacific Northwest. Our profound understanding of Orange County’s evolving real estate market positions us to adeptly guide you in your home loan journey. The table here paints a picture of the present mortgage rates in Orange County, encapsulating diverse loan frameworks, be it jumbo, fixed, adjustable-rate mortgages, or the likes of government-endorsed FHA and VA loans. We’re also equipped to cater to distinct needs, offering specialized loans such as bridge and construction loans. For an Orange County-centric mortgage rate quote molded to your financial landscape, kindly reach out.

Live Mortgage Rates in Orange County, CA

Being a family-rooted entity, Sammamish Mortgage takes immense pride in its illustrious track record that spans close to three decades. Our dedication to presenting competitive rates is as unwavering in the Pacific Northwest as it is in the heart of Orange County. If it’s the pristine beaches of Orange County where you see your future home or other states in our portfolio, do contact us for an individualized mortgage rate quotation.

Points and Mortgage Dynamics in Orange County, CA

Within our rate representation, you’ll observe a segment labeled “points”. A point corresponds to one percent of your loan quantum, eligible for payment at closing to secure a more favorable interest rate. This table serves to elucidate the correlation of points with the mortgage rates in Orange County. To zero in on the ideal rates and closing costs pertinent to Orange County, consider harnessing our Interest Rate Quote tool or consulting our seasoned ensemble.

Determinants of Mortgage Rates in Orange County, CA

Mortgage rates in Orange County are shaped by a complex interplay of factors. The broader economic landscape, both national and global, sets the backdrop, with robust economic conditions typically pushing rates higher. Individual borrower characteristics, such as credit score and history, play a significant role; those with stellar credit profiles often secure more favorable rates. The amount of the down payment, the type and intended use of the property, and the chosen duration of the loan further refine the rate. Additionally, the specific structure of the loan, whether it’s a fixed-rate, adjustable-rate, jumbo, or a government-backed option like FHA or VA, can influence the rate. Choices around the rate lock period, which determines how long a rate is guaranteed, and decisions on points and closing costs at the outset can also impact the final rate. Navigating these determinants requires a deep understanding, and our team at Sammamish Mortgage is poised to guide Orange County residents through this intricate landscape, ensuring an optimal fit with their financial goals.

Rates Depend on Multiple Factors

Sammamish Mortgage makes use of an innovative software platform that provides you with an instant rate quote. The system does this by comparing multiple lenders and investors from across the US, providing real-time results. All you need to do to get your rate quote is to input a few pieces of information, and within seconds, you’ll receive an accurate breakdown of the interest rates and costs available for you. You won’t have to supply any personal information to obtain this data, either. The mortgage experts at Sammamish Mortgage always work to ensure that the best interests of our clients are always met.

Loan Purpose

The term “loan purpose” is used in the mortgage industry in the US to describe the reason why an applicant is looking to apply for a loan. The lender will use the purpose of the loan to make decisions on the risk level of the borrower. The loan purpose could also affect the interest rate offered by the lender. The most common examples include purchase, rate/term refinance (no cash-out refinance) and cash-out refinance.

Down Payment

The down payment refers to the equity amount that the buyer puts towards the purchase price of a home. For instance, a home being purchased for $500,000 with a $100,000 down payment means the buyer will have 20% equity in the new home. In general a larger down payment results in better rates and closing costs for your loan. Down payments below 20% usually require some form of mortgage insurance which would be an added cost to you. The exception is for VA financing.

Loan Amount

This term refers to the amount that the borrower must pay back to the lender as stipulated in the loan contract. The loan amount is one of the main factors in determining what rate and loan program you’ll be eligible for. For the most common loan programs such as conforming or FHA financing there are loan limits. Anything above those limits results in a borrower being ineligible for that program and subject to different rates and fees. In general VA loans have the best terms followed by conforming loans and select jumbo loans for really qualified borrowers or high net worth clients.

Credit Score

A credit score is a numerical figure that expresses the creditworthiness of a consumer. A higher credit score is better when it comes to taking out a loan, as it reduces the lender’s risk when loaning out funds. A credit score is affected by repayment history, number and age of open accounts, total debt levels, and credit utilization. Credit is a key deciding factor in determining what rates and costs you’re eligible for. High credit scores over 740 will get you the best rates available. Adjustments to the terms available for most loan programs occur in 20 point increments. For example the second best credit score range would be 720-739, then 700-719 and so on.  Once your scores drop below 640 the programs you will qualify for will be severely limited.

Purchase Price

The purchase price refers to the price that a buyer pays for a property.

Property Type

Property type refers to the characteristics and configuration of a dwelling. For instance, detached homes, townhomes, and condos are all examples of different property types. Single Family Home will have the best terms when compared to other property types. Provided you put down more than 25% condos will be second best followed by multi-family 1-4 units. Properties like co-ops and manufactured homes will usually have higher rates and it will be more difficult to find lenders that will accept those property types.


Occupancy refers to the status of the people living in a home. For example, a home may be occupied by the owners, or by tenants who pay the owner rent in exchange for the right to live in the home. Owner Occupied homes will have the best rates followed by second homes (vacation homes that are not rented) and investment properties which include any property that does not fit the classification of a primary residence or second home. This includes rental properties, homes a family member occupies for free or a speculative property that is vacant.

Loan Program

A loan program or loan type refers to the type of loan being taken out to finance the purchase of a property. In the US, common mortgage loan programs include fixed-rate mortgages, variable-rate mortgages, conforming loans, FHA loans, and VA loans. Fixed-rate loans can come with different terms such as a 30 year fixed, 20 year or 15 year fixed. ARM’s or adjustable rate mortgages are usually fixed for a specified period of time and then adjust annually after the initial fixed rate period.

Rate quote isn’t what you expected?

If your instant rate quote isn’t what you expected, we can provide counsel on how to potentially transform your quote into something more acceptable. Sammamish Mortgage is a family-owned mortgage company with over 30 years of experience in the industry. We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR, CO and CA. If you’re looking to buy a home in one of these states, we can help!

Our Reviews

Shashinandan Srinivasa
July 12, 2024
"First time home buying is stressful", the number of articles on the web speaks for it. Nope, it is NOT. You will realize after you work with Ryan and Tonya from Sammamish Mortgage. They are quick, tenacious and straightforward. It took me exactly 24 days from pre-approval to closing. That is not the timeline you see often. Highly recommend this team for their sincerity, honesty, responsiveness and above all, listening to our requirements with patience and acting on it. Heartfelt thanks to Ryan and Tonya and I will always go to them for my future requirements.
Erik C.
July 9, 2024
Transparent rates, helpful loan officers and underwriters helped ensure the best loan available for us.
Young Students
June 28, 2024
We had a wonderful experience with this team. From the very beginning, Jana and Trevor made sure to prioritize our goals and walk us through the process from top to bottom! They were incredibly helpful throughout the entire journey and responded quickly to all our questions & concerns. Their team is clearly skilled in handling complex situations and unique circumstances. Cannot rave enough about the help they have been, truly outstanding!
James W.
June 12, 2024
From the beginning through the end of the mortgage securing process, the Sammamish Mortgage TEAM kept focused on and kept me focused on, the processes needed to get us over the finish line! Thank you very much!
June 9, 2024
Sammamish mortgage has amazing customer service. We worked with Trevor and Priscilla, and they responded to all our queries super quick.
Kevin K.
June 8, 2024
The experience was great start to finish. We were kept up to speed throughout the whole process.
Preston Dunn
June 6, 2024
Excellent customer service with competitive rates! Honest, easy, professional.

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We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR, CO & CA. If you’re looking to buy a home in one of these states, we can help!

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