Nick Costa
Mortgage Banker - NMLS ID 485760
We'll help you choose from our loan solutions when you contact us.
Our Mortgage Bankers can help you every step of the way with:
- Full range of fixed and adjustable rate mortgages
- Extensive home buying experience with multiple loan products and industry-leading turn times
- Refinancing options that fit your needs
- Relationship Pricing1 available to qualifying Bank of the West customers
- Long-standing commitment to customer service
Today's Rates
Purchase Rates
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 3.750% 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 3.806% and a monthly payment of $1,158. 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.
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 3.000% 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 3.099% and a monthly payment of $1,726. 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.
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 3.750% with .625 points, which are included in the typical total average closing costs of $8,911, a loan of $800,000 would have an APR of 3.814% and a monthly payment of $3,705. 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.
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 3.625% 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 4.052% and monthly payment of $3,648 for the first 84 months. Beginning at month 85, assuming a new interest rate of 4.375%, the new monthly payment would be $3,925.88 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.
Refinance Rates
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 .375 points, which are included in the typical total average closing costs of $3,250, a loan of $250,000 would have an APR of 3.942% 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.
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 3.125% 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 3.206% and a monthly payment of $1,742. 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.
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 4.125% with .375 points, which are included in the typical total average closing costs of $6,911, a loan of $800,000 would have an APR of 4.169% and a monthly payment of $3,877. 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.
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 .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 4.149% and monthly payment of $3,762 for the first 84 months. Beginning at month 85, assuming a new interest rate of 4.375%, the new monthly payment would be $3,949.23 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.
* Rates are subject to change without notice.
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