Valencia, CA Mortgage Rates and Refinance Rates

Mortgages in Valencia, CA: Find the best Valencia, CA mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Valencia, CA, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Valencia, CA. Another option is searching for Valencia, CA refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Valencia, CA mortgage rates or refinance rates.

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Valencia, California Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Valencia, CA are the most popular type of mortgages rates you can find advertised for home buyers in Valencia, CA. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Valencia, CA mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Valencia, CA banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Valencia, CA conforming mortgage rates and refi rates lower than Valencia, CA jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Valencia, CA home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Valencia, California

Jumbo mortgage rates in Valencia, CA are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Valencia, CA and adjustable mortgage rates in Valencia, CA. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Valencia, CA make.

Valencia, California Fixed Mortgage Rates and Fixed Refinance Rates

Valencia, CA fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Valencia, California Adjustable Mortgage Rates

Adjustable Valencia, CA mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Valencia, CA are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Valencia, CA. Most adjustable mortgages in Valencia, CA have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Google Map for Valencia, CA Rates & Resources


Valencia FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Bank of America, National Association

3510 23929 West Valencia Boulevard, Valencia, CA 91355

Bank of the West

3514 27011 Mcbean Parkway,suite 101, Valencia, CA 91355

California United Bank

57904 25350 Magic Mountain Parkway, Valencia, CA 91355

Citibank, National Association

7213 23453 W Lyons Avenue, Valencia, CA 91355

City National Bank

17281 24200 Magic Mountain Parkway, Suite 140, Valencia, CA 91355

First Bank

12229 27067 Mcbean Parkway, Valencia, CA 91355

JPMorgan Chase Bank, National Association

628 23910 Summerhill Lane, Valencia, CA 91354

JPMorgan Chase Bank, National Association

628 24000 Valencia Boulevard, Valencia, CA 91355

JPMorgan Chase Bank, National Association

628 25882 Mcbean Parkway, Valencia, CA 91355

MISSION VALLEY BANK

57101 25060 Avenue Stanford, Valencia, CA 91355

Santa Clara Valley Bank, National Association

34806 24300 Town Center Drive, Suite 100, Valencia, CA 91355

U.S. Bank National Association

6548 23850 Copperhill Drive, Valencia, CA 91354

U.S. Bank National Association

6548 28313 Newhall Ranch Road, Valencia, CA 91355

Union Bank, National Association

22826 24300 Town Center Dr., Ste. 100, Valencia, CA 91355

Wells Fargo Bank, National Association

3511 24301 Magic Mountain Parkway, Valencia, CA 91355

Wells Fargo Bank, National Association

3511 25662 The Old Road, Valencia, CA 91381

Wells Fargo Bank, National Association

3511 26650 The Old Rd, Valencia, CA 91381

Wells Fargo Bank, National Association

3511 27710 Mcbean Pkwy, Valencia, CA 91354

Wells Fargo Bank, National Association

3511 27760 North Mcbean Parkway, Valencia, CA 91354