Refinance and turn your home’s equity into cash

Get started today

Pay off higher interest debt or make home improvements when you refinance with cash out.

Take advantage of our:

  • Competitive rate match program1
  • Relationship Pricing Discount2
  • Broad range of fixed and adjustable rate mortgage options

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1-844-744-5606

TTY 1-800-659-5495


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Today's Rates

Purchase Rates

30 Year Conforming*
Rate: 3.875% APR: 3.932% Points: 0.250%
15 Year Conforming*
Rate: 3.250% APR: 3.332% Points:0.125%
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Important Loan Information

All loans subject to credit approval. Rates shown assume standard mortgage qualifications, underwriting requirements, and Relationship Pricing discount. Relationship Pricing discount of 0.125% off standard rates requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits. Example based on purchase of owner-occupied, single family residence in California with a loan amount of $250,000, 80% loan-to-value, and minimum 740 FICO score. The actual rate and APR will vary based on your credit history, property location, loan amount, loan term, discount points and other finance charges, and may be different than the rates displayed here. Rates shown are subject to change without notice. Other products and terms are available. Additional fees, conditions, and restrictions may apply. These rates are intended for informational purposes and are not an offer to extend consumer credit.

EXAMPLE: The 30-Year Fixed Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of 3.875% with .250 points, which are included in the typical total average closing costs of $2,937, a loan of $250,000 would have an APR of 3.932% and a monthly payment of $1,176. The monthly payments shown do not include amounts for taxes and insurance premiums, so the actual payment obligation will be greater. The closing cost estimate does not include other amounts that may be due at closing, such as initial escrow deposits, government recording fees, and interest.

Close

Close

Important Loan Information

All loans subject to credit approval. Rates shown assume standard mortgage qualifications, underwriting requirements, and Relationship Pricing discount. Relationship Pricing discount of 0.125% off standard rates requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits. Example based on purchase of owner-occupied, single family residence in California with a loan amount of $250,000, 80% loan-to-value, and minimum 740 FICO score. The actual rate and APR will vary based on your credit history, property location, loan amount, loan term, discount points and other finance charges, and may be different than the rates displayed here. Rates shown are subject to change without notice. Other products and terms are available. Additional fees, conditions, and restrictions may apply. These rates are intended for informational purposes and are not an offer to extend consumer credit.

EXAMPLE: The 15-Year Fixed Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of 3.250% with .125 points, which are included in the typical total average closing costs of $2,625, a loan of $250,000 would have an APR of 3.332% and a monthly payment of $1,757. The monthly payments shown do not include amounts for taxes and insurance premiums, so the actual payment obligation will be greater. The closing cost estimate does not include other amounts that may be due at closing, such as initial escrow deposits, government recording fees, and interest.

Close

30 Year Jumbo*
Rate: 4.000% APR: 4.033% Points: 0.250%
7/1 Jumbo*
Rate: 3.750% (fixed first 7 years)  APR: 4.155% Points: 0.000%
Close

Important Loan Information

All loans subject to credit approval. Rates shown assume standard mortgage qualifications, underwriting requirements, and Relationship Pricing discount. Relationship Pricing discount of 0.125% off standard rates requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits. Example based on purchase of owner-occupied, one-unit, single family residence in California using a sample average loan amount of $800,000, 80% loan-to-value, and minimum 740 FICO score. The actual rate and APR will vary based on your credit history, property location, loan amount, loan term, discount points and other finance charges, and may be different than the rates displayed here. Rates shown are subject to change without notice. Other products and terms are available. Additional fees, conditions, and restrictions may apply. These rates are intended for informational purposes and are not an offer to extend consumer credit.

EXAMPLE: The 30-Year Fixed Jumbo Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of 4.000% with .250 points, which are included in the typical total average closing costs of $5,911, a loan of $800,000 would have an APR of 4.033% and a monthly payment of $3,819. The monthly payments shown do not include amounts for taxes and insurance premiums, so the actual payment obligation will be greater. The closing cost estimate does not include other amounts that may be due at closing, such as initial escrow deposits, government recording fees, and interest.

Close

Close

Important Loan Information

"All loans subject to credit approval. Rate shown for the adjustable rate period is estimated and based on recent values for the LIBOR Index and margin. Seven years from now, rates could be significantly higher than this estimate. Rates shown assume standard mortgage qualifications, underwriting requirements, and Relationship Pricing. Relationship Pricing discount of 0.125% off standard rates requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits. Example based on purchase of owner-occupied, single family residence in California with a loan amount of $800,000, 80% loan-to-value, and minimum 740 FICO score. The actual rate and APR will vary based on your credit history, property location, loan amount, loan term, discount points and other finance charges, and may be different than the rates displayed here. Rates shown are subject to change without notice. Other products and terms are available. Additional fees, conditions, and restrictions may apply. These rates are intended for informational purposes and are not an offer to extend consumer credit.

EXAMPLE: The 7/1 Adjustable-Rate Mortgage is a 30-year mortgage, with fully amortizing principal and interest payments and an initial 7-year fixed rate period. After the 7-year fixed period, the payments, interest rate and annual percentage rate may increase or decrease. Based on a sample rate of 3.750% with .000 points, which are included in the typical total average closing costs of $3,911, a loan of $800,000 would have an APR of 4.155% and monthly payment of $3,705 for the first 84 months. Beginning at month 85, assuming a new interest rate of 4.500%, the new monthly payment would be $3,985.10 until the next annual change date. The rate and payment may change annually based on changes to the index value. The monthly payments shown do not include amounts for taxes and insurance premiums, so the actual payment obligation may be greater. The closing cost estimate does not include other amounts that may be due at closing, such as initial escrow deposits, government recording fees, and interest.

Close

Refinance Rates

30 Year Conforming*
Rate: 4.125% APR: 4.172% Points: 0.125%
15 Year Conforming*
Rate: 3.375% APR: 3.475% Points: 0.125%
Close

Important Loan Information

All loans subject to credit approval. Rates shown assume standard mortgage qualifications, underwriting requirements, and Relationship Pricing discount. Relationship Pricing discount of 0.125% off standard rates requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits. Example based on purchase of owner-occupied, single family residence in California with a loan amount of $250,000, 80% loan-to-value, and minimum 740 FICO score. The actual rate and APR will vary based on your credit history, property location, loan amount, loan term, discount points and other finance charges, and may be different than the rates displayed here. Rates shown are subject to change without notice. Other products and terms are available. Additional fees, conditions, and restrictions may apply. These rates are intended for informational purposes and are not an offer to extend consumer credit.

EXAMPLE: The 30-Year Fixed Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of 4.125% with .125 points, which are included in the typical total average closing costs of $2,625, a loan of $250,000 would have an APR of 4.172% and a monthly payment of $1,212. The monthly payments shown do not include amounts for taxes and insurance premiums, so the actual payment obligation will be greater. The closing cost estimate does not include other amounts that may be due at closing, such as initial escrow deposits, government recording fees, and interest.

Close

Close

Important Loan Information

All loans subject to credit approval. Rates shown assume standard mortgage qualifications, underwriting requirements, and Relationship Pricing discount. Relationship Pricing discount of 0.125% off standard rates requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits. Example based on purchase of owner-occupied, single family residence in California with a loan amount of $250,000, 80% loan-to-value, and minimum 740 FICO score. The actual rate and APR will vary based on your credit history, property location, loan amount, loan term, discount points and other finance charges, and may be different than the rates displayed here. Rates shown are subject to change without notice. Other products and terms are available. Additional fees, conditions, and restrictions may apply. These rates are intended for informational purposes and are not an offer to extend consumer credit.

EXAMPLE: The 15-Year Fixed Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of 3.375% with .125 points, which are included in the typical total average closing costs of $2,625, a loan of $250,000 would have an APR of 3.457% and a monthly payment of $1,772. The monthly payments shown do not include amounts for taxes and insurance premiums, so the actual payment obligation will be greater. The closing cost estimate does not include other amounts that may be due at closing, such as initial escrow deposits, government recording fees, and interest.

Close

30 Year Jumbo*
Rate: 4.250% APR: 4.273% Points: 0.125%
7/1 Jumbo*
Rate: 3.875% (fixed first 7 years)  APR: 4.224% Points: 0.125%
Close

Important Loan Information

All loans subject to credit approval. Rates shown assume standard mortgage qualifications, underwriting requirements, and Relationship Pricing discount. Relationship Pricing discount of 0.125% off standard rates requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits. Example based on purchase of owner-occupied, one-unit, single family residence in California using a sample average loan amount of $800,000, 80% loan-to-value, and minimum 740 FICO score. The actual rate and APR will vary based on your credit history, property location, loan amount, loan term, discount points and other finance charges, and may be different than the rates displayed here. Rates shown are subject to change without notice. Other products and terms are available. Additional fees, conditions, and restrictions may apply. These rates are intended for informational purposes and are not an offer to extend consumer credit.

EXAMPLE: The 30-Year Fixed Jumbo Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of 4.250% with .125 points, which are included in the typical total average closing costs of $4,911, a loan of $800,000 would have an APR of 4.273% and a monthly payment of $3,936. The monthly payments shown do not include amounts for taxes and insurance premiums, so the actual payment obligation will be greater. The closing cost estimate does not include other amounts that may be due at closing, such as initial escrow deposits, government recording fees, and interest.

Close

Close

Important Loan Information

All loans subject to credit approval. Rate shown for the adjustable rate period is estimated and based on recent values for the LIBOR Index and margin. Seven years from now, rates could be significantly higher than this estimate. Rates shown assume standard mortgage qualifications, underwriting requirements, and Relationship Pricing. Relationship Pricing discount of 0.125% off standard rates requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits. Example based on purchase of owner-occupied, single family residence in California with a loan amount of $800,000, 80% loan-to-value, and minimum 740 FICO score. The actual rate and APR will vary based on your credit history, property location, loan amount, loan term, discount points and other finance charges, and may be different than the rates displayed here. Rates shown are subject to change without notice. Other products and terms are available. Additional fees, conditions, and restrictions may apply. These rates are intended for informational purposes and are not an offer to extend consumer credit.

EXAMPLE: The 7/1 Adjustable-Rate Mortgage is a 30-year mortgage, with fully amortizing principal and interest payments and an initial 7-year fixed rate period. After the 7-year fixed period, the payments, interest rate and annual percentage rate may increase or decrease. Based on a sample rate of 3.875% with .125 points, which are included in the typical total average closing costs of $4,911, a loan of $800,000 would have an APR of 4.224% and monthly payment of $3,762 for the first 84 months. Beginning at month 85, assuming a new interest rate of 4.500%, the new monthly payment would be $3,996.84 until the next annual change date. The rate and payment may change annually based on changes to the index value. The monthly payments shown do not include amounts for taxes and insurance premiums, so the actual payment obligation may be greater. The closing cost estimate does not include other amounts that may be due at closing, such as initial escrow deposits, government recording fees, and interest.

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* Rates are subject to change without notice.

Legal information and Disclosures

All loans subject to credit approval, standard mortgage qualifications and underwriting requirements. Additional fees, conditions and restrictions may apply.

1We will review the competing interest rate offer for the same loan product type, down payment, points paid, and term (as applicable) and attempt to match or beat it if you apply for and are approved for an equivalent mortgage loan with Bank of the West. To review the competing interest rate offer, we must receive a valid Loan Estimate or other acceptable documentation of a current offer from a competing lender within three days of issuance. We reserve the right to verify the validity of your Loan Estimate and any information contained in the competing lender’s documentation.

2Relationship pricing discount requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking account and is subject to the terms of a relationship pricing agreement. For adjustable-rate mortgage products, the discount is applicable only during the initial fixed-rate period. All terms and conditions applicable to the checking account apply, including fees and minimum opening deposits.