Get prequalified or preapproved for a mortgage

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 5.000% 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 5.050% and a monthly payment of $1,342. 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.

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 4.250% 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 4.334% and a monthly payment of $1,881. 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.