San Lucas, California Refinance Rates - October 2026
Brian McKay
Brian McKay
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San Lucas, California mortgage refinance rates from lenders serving California range from 4.50% to 9.88%, verified by MonitorBankRates as of October 6, 2026. Current mortgage refinance rates for San Lucas, California borrowers from lenders serving California include Citizens BankCitizens BankA+5.0 ★Texas Ratio: 5.44% at 7.75%, Educational Employees Credit UnionEducational Employees Credit UnionA+5.0 ★Texas Ratio: 0.58% at 5.75%, Safe 1 Credit UnionSafe 1 Credit UnionA+5.0 ★Texas Ratio: 1.69% at 6.00%, Certified Federal Credit UnionCertified Federal Credit UnionA+5.0 ★Texas Ratio: 1.07% at 6.25%, and Partners Federal Credit UnionPartners Federal Credit UnionA+5.0 ★Texas Ratio: 4.65% at 6.482%. Refinance rates as of October 6, 2026 according to verified data from MonitorBankRates.
San Lucas homeowners can compare 303 refinance rates from 62 lenders serving the California area, with refinance rates as low as 5.75% from Educational Employees Credit Union. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to California homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 6, 2026
Compare Refinance Rates Today in San Lucas, California & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local San Lucas, CA lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.180 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
San Lucas 30 Year Fixed Refinance Rates
Rates listed include 0.125% autopay and paperless discount. Requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.
No additional details available.
No additional details available.
No additional details available.
Loan amount not to exceed $499,999
- Sep 17, 20266.38%▲ from 5.91%
- Sep 14, 20265.91%first recorded
My Rate FL Average - 30 Yr Fixed
Additional APR listed for this product: 6.656%.
- Oct 5, 20266.56%▼ from 7.19%
- Oct 2, 20267.19%first recorded
No additional details available.
- Sep 27, 20266.59%▼ from 7.01%
- Sep 22, 20267.01%▲ from 6.82%
- Sep 14, 20266.82%first recorded
As low as 6.697%
Monthly payment of $3,202 per month per $500,000 borrowed is based on a conforming 30-year fixed term at a 6.625% interest rate (6.701% APR) and reflects principal and interest payments only. Payment example does not include taxes, insurance, or homeowners association dues, and the actual payment obligation may be greater.
No additional details available.
Additional APR listed for this product: 6.957%. As Low As
Additional APR listed for this product: 6.910%. Conventional Fixed
- Oct 5, 20266.81%▼ from 7.44%
- Sep 29, 20267.44%first recorded
No additional details available.
- Sep 25, 20266.88%▲ from 6.50%
- Sep 16, 20266.50%first recorded
No additional details available.
No additional details available.
- Oct 2, 20266.95%▲ from 6.82%
- Sep 29, 20266.82%▲ from 6.70%
- Sep 18, 20266.70%▲ from 6.35%
- Sep 14, 20266.35%first recorded
Government
No additional details available.
No additional details available.
Additional APR listed for this product: 7.075%.
- Sep 29, 20267.02%▲ from 6.77%
- Sep 18, 20266.77%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Government
- Oct 5, 20267.07%▼ from 7.33%
- Sep 29, 20267.33%first recorded
Additional APR listed for this product: 7.193%.
No additional details available.
- Oct 5, 20267.09%▼ from 7.22%
- Oct 2, 20267.22%first recorded
APR = Annual Percentage Rate
- Sep 25, 20267.11%▲ from 6.73%
- Sep 16, 20266.73%first recorded
No additional details available.
- Sep 25, 20267.11%▲ from 6.73%
- Sep 16, 20266.73%first recorded
No additional details available.
- Oct 2, 20267.15%▲ from 7.02%
- Sep 29, 20267.02%▲ from 6.77%
- Sep 18, 20266.77%▲ from 6.52%
- Sep 14, 20266.52%first recorded
No additional details available.
No additional details available.
- Oct 2, 20267.23%▲ from 7.10%
- Sep 29, 20267.10%▲ from 6.85%
- Sep 18, 20266.85%▲ from 6.70%
- Sep 14, 20266.70%first recorded
On a typical loan of $500,000.00
- Oct 1, 20267.23%▲ from 7.10%
- Sep 27, 20267.10%▲ from 6.72%
- Sep 15, 20266.72%first recorded
No additional details available.
Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security. As low as
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
- Sep 22, 20267.00%▲ from 6.88%
- Sep 14, 20266.88%first recorded
Additional APR listed for this product: 7.371%.
- Oct 2, 20267.27%▼ from 7.40%
- Sep 29, 20267.40%first recorded
No additional details available.
- Oct 1, 20267.27%▲ from 6.90%
- Sep 18, 20266.90%first recorded
No additional details available.
- Oct 2, 20267.30%▲ from 7.05%
- Sep 22, 20267.05%▼ from 7.68%
- Sep 18, 20267.68%▲ from 7.55%
- Sep 14, 20267.55%first recorded
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
- Oct 2, 20267.31%▼ from 7.44%
- Oct 1, 20267.44%▲ from 7.19%
- Sep 27, 20267.19%▲ from 6.94%
- Sep 22, 20266.94%first recorded
No additional details available.
- Oct 5, 20267.35%▼ from 7.47%
- Oct 2, 20267.47%▲ from 7.35%
- Sep 29, 20267.35%▲ from 7.22%
- Sep 25, 20267.22%▲ from 6.97%
The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!
- Oct 2, 20267.39%▲ from 6.58%
- Sep 18, 20266.58%first recorded
No additional details available.
- Oct 1, 20267.40%▲ from 7.27%
- Sep 27, 20267.27%▲ from 7.02%
- Sep 18, 20267.02%first recorded
No additional details available.
- Oct 5, 20267.41%▲ from 7.39%
- Sep 29, 20267.39%▲ from 7.35%
- Sep 25, 20267.35%▲ from 7.03%
- Sep 21, 20267.03%▲ from 7.01%
Additional APR listed for this product: 7.421%.
- Oct 2, 20267.42%▲ from 7.17%
- Sep 22, 20267.17%▼ from 7.68%
- Sep 18, 20267.68%▲ from 7.55%
- Sep 14, 20267.55%first recorded
as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.
- Oct 2, 20267.42%▲ from 7.16%
- Sep 22, 20267.16%▲ from 7.07%
- Sep 18, 20267.07%▲ from 7.04%
- Sep 14, 20267.04%first recorded
No additional details available.
- Oct 1, 20267.43%▲ from 7.05%
- Sep 18, 20267.05%first recorded
Origination Fee: $4,425
- Oct 1, 20267.46%▲ from 6.95%
- Sep 14, 20266.95%first recorded
APR* as low as 7.478%
- Oct 2, 20267.48%▲ from 7.35%
- Oct 1, 20267.35%▲ from 7.10%
- Sep 18, 20267.10%▲ from 6.97%
- Sep 14, 20266.97%first recorded
No additional details available.
- Oct 2, 20267.48%▼ from 7.53%
- Sep 27, 20267.53%▲ from 7.38%
- Sep 18, 20267.38%▲ from 7.25%
- Sep 14, 20267.25%first recorded
No additional details available.
No additional details available.
- Oct 2, 20267.51%▲ from 7.25%
- Sep 16, 20267.25%first recorded
No additional details available.
- Oct 2, 20267.55%▲ from 7.52%
- Sep 29, 20267.52%▲ from 7.05%
- Sep 17, 20267.05%▲ from 7.02%
- Sep 14, 20267.02%first recorded
No additional details available.
- Oct 2, 20267.55%▲ from 7.42%
- Oct 1, 20267.42%▲ from 7.30%
- Sep 27, 20267.30%▲ from 7.17%
- Sep 18, 20267.17%▲ from 7.05%
No additional details available.
- Oct 1, 20267.55%▲ from 7.43%
- Sep 27, 20267.43%▲ from 7.17%
- Sep 18, 20267.17%first recorded
San Lucas 15 Year Fixed Refinance Rates
Rates listed include 0.125% autopay and paperless discount. Requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.
No additional details available.
Loan amount not to exceed $499,999
- Sep 17, 20265.70%▲ from 5.32%
- Sep 14, 20265.32%first recorded
No additional details available.
No additional details available.
- Sep 27, 20266.02%▼ from 6.36%
- Sep 22, 20266.36%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Additional APR listed for this product: 6.250%.
- Oct 5, 20266.09%▼ from 6.33%
- Oct 2, 20266.33%first recorded
No additional details available.
- Sep 25, 20266.25%▲ from 5.88%
- Sep 16, 20265.88%first recorded
No additional details available.
Additional APR listed for this product: 6.505%. Conventional Fixed
- Oct 5, 20266.35%▼ from 6.59%
- Sep 29, 20266.59%first recorded
No additional details available.
No additional details available.
- Sep 18, 20266.44%▲ from 5.94%
- Sep 14, 20265.94%first recorded
No additional details available.
- Sep 18, 20266.49%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Get peace of mind with predictable monthly payments. Both traditional and short-term options available. As low as
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
As low as 6.571%
No additional details available.
No additional details available.
- Oct 1, 20266.61%▲ from 6.36%
- Sep 18, 20266.36%first recorded
No additional details available.
- Oct 4, 20266.67%▲ from 6.16%
- Sep 16, 20266.16%first recorded
No additional details available.
- Sep 29, 20266.70%▲ from 6.44%
- Sep 18, 20266.44%▲ from 5.94%
- Sep 14, 20265.94%first recorded
No additional details available.
- Oct 1, 20266.70%▲ from 6.45%
- Sep 18, 20266.45%first recorded
No additional details available.
- Sep 29, 20266.74%▲ from 6.49%
- Sep 18, 20266.49%▲ from 5.99%
- Sep 14, 20265.99%first recorded
No additional details available.
- Sep 29, 20266.79%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.03%
- Sep 14, 20266.03%first recorded
Origination Fee: $4,425
- Oct 1, 20266.83%▲ from 6.00%
- Sep 22, 20266.00%▼ from 6.32%
- Sep 14, 20266.32%first recorded
as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.
- Oct 1, 20266.83%▲ from 6.55%
- Sep 22, 20266.55%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.43%
- Sep 14, 20266.43%first recorded
No additional details available.
- Oct 2, 20266.83%▲ from 6.58%
- Sep 22, 20266.58%▼ from 7.21%
- Sep 18, 20267.21%▲ from 7.20%
- Sep 14, 20267.20%first recorded
No additional details available.
No additional details available.
- Sep 27, 20266.85%▲ from 6.47%
- Sep 18, 20266.47%first recorded
No additional details available.
- Sep 27, 20266.85%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
No additional details available.
- Oct 5, 20266.86%▲ from 6.84%
- Oct 2, 20266.84%▼ from 6.86%
- Sep 29, 20266.86%▲ from 6.84%
- Sep 25, 20266.84%▲ from 6.59%
No additional details available.
- Sep 27, 20266.89%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
Additional APR listed for this product: 7.036%.
- Sep 27, 20266.92%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
No additional details available.
- Oct 5, 20266.92%▼ from 7.05%
- Oct 2, 20267.05%▲ from 6.92%
- Sep 29, 20266.92%▲ from 6.79%
- Sep 25, 20266.79%▼ from 7.05%
No additional details available.
- Oct 2, 20266.95%▲ from 6.83%
- Sep 27, 20266.83%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.45%
- Sep 14, 20266.45%first recorded
The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!
- Oct 2, 20266.97%▲ from 6.20%
- Sep 18, 20266.20%first recorded
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
- Oct 2, 20266.97%▼ from 7.10%
- Sep 27, 20267.10%▲ from 6.72%
- Sep 22, 20266.72%first recorded
No additional details available.
- Sep 27, 20266.99%▲ from 6.74%
- Sep 18, 20266.74%first recorded
No additional details available.
Additional APR listed for this product: 7.101%.
- Sep 27, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
Amount: $832,751 to $1,249,125
- Oct 2, 20267.01%▲ from 6.63%
- Sep 14, 20266.63%first recorded
Amount: $50,000 to $832,750
- Oct 2, 20267.02%▲ from 6.64%
- Sep 18, 20266.64%▲ from 6.51%
- Sep 14, 20266.51%first recorded
No additional details available.
- Oct 5, 20267.03%▼ from 7.16%
- Sep 29, 20267.16%▲ from 7.03%
- Sep 25, 20267.03%▲ from 6.65%
- Sep 17, 20266.65%▲ from 6.53%
On a typical loan of $500,000.00
- Oct 1, 20267.04%▲ from 6.91%
- Sep 27, 20266.91%▲ from 6.54%
- Sep 15, 20266.54%first recorded
Origination Fee: $1,425
- Oct 1, 20267.04%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Additional APR listed for this product: 7.071%.
- Oct 2, 20267.06%▼ from 7.21%
- Sep 18, 20267.21%▲ from 7.20%
- Sep 14, 20267.20%first recorded
No additional details available.
- Sep 27, 20267.08%▲ from 6.83%
- Sep 18, 20266.83%first recorded
No additional details available.
- Oct 2, 20267.08%▲ from 6.83%
- Sep 25, 20266.83%▲ from 6.70%
- Sep 16, 20266.70%first recorded
No additional details available.
- Oct 1, 20267.12%▲ from 6.74%
- Sep 27, 20266.74%▲ from 5.73%
- Sep 15, 20265.73%first recorded
No additional details available.
- Oct 1, 20267.14%▲ from 7.11%
- Sep 24, 20267.11%▲ from 7.01%
- Sep 18, 20267.01%▲ from 6.52%
- Sep 15, 20266.52%first recorded
No additional details available.
- Oct 2, 20267.15%▼ from 7.17%
- Oct 1, 20267.17%▲ from 6.79%
- Sep 22, 20266.79%▲ from 6.77%
- Sep 18, 20266.77%▲ from 6.66%
No additional details available.
- Oct 2, 20267.15%▲ from 7.02%
- Sep 27, 20267.02%▲ from 6.77%
- Sep 18, 20266.77%▲ from 6.65%
- Sep 14, 20266.65%first recorded
From $50K to $832,750
- Oct 2, 20267.20%▲ from 7.07%
- Oct 1, 20267.07%▲ from 6.70%
- Sep 22, 20266.70%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.45%
San Lucas 5/1 ARM Refinance Rates
Loans up to $1.5 million; APR & payment based on $400,000 loan; Rates subject to change daily.
- Sep 29, 20266.90%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
Loans up to $1,500,000; APR & Payment based on $400,000 loan; Rates subject to change daily. Home Loan Request More Information
No additional details available.
1st Adj Rate: 6.500%; 1st Adj Payment: $1,876.74
- Oct 5, 20265.07%▼ from 5.33%
- Sep 29, 20265.33%first recorded
No additional details available.
Term: 30-year fixed-rate loan; Promotional Rate. Payment assumptions: 720 FICO score, primary residence, 80% LTV/CLTV, and a 1-unit single-family residence. Conforming: $600,000 loan amount with estimated closing costs of $12,800.00 and an initial promotional interest rate of 5.500% (5.692% APR), fixed for the first five years. The estimated monthly principal and interest payment is $3,406.73. This payment does not include impounds for property taxes or insurance.
No additional details available.
- Sep 25, 20265.87%▲ from 5.62%
- Sep 16, 20265.62%first recorded
APR = Annual Percentage Rate. Rate and payments adjust only once at 15 years. Rate is variable and can increase by no more than 6.00% at the 15 year adjustment. Valid for adjustable rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Maximum loan-to-value is 95%. Rate for the remaining term adjusts at 15 years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate of 4.00%. Index is the one-month average yield of the 10-Year United States Treasury Security. Rates subject to change; check with Sunward for current rates. Available rate based on credit history. Not everyone will qualify for lowest rate. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo loan conforming limit: $806,500, Jumbo loan limit for high-cost areas (including California and Colorado): $1,209,750. All loans subject to credit approval. Contact Sunward for details. For loans over $766,550
As low as 6.003%
Margin: 2.500%; Caps: 2/2/6
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%▲ from 6.17%
- Sep 18, 20266.17%▲ from 6.05%
- Sep 14, 20266.05%first recorded
Caps: 2/2/6; Margin: 2.500%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%first recorded
ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period.
- Oct 4, 20266.09%▲ from 5.84%
- Sep 16, 20265.84%first recorded
Enjoy a low initial rate that adjusts with the market. Various terms and options available. As low as
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Margin: 2.375%; Caps: 2/2/5
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%▲ from 6.30%
- Sep 18, 20266.30%▲ from 6.17%
- Sep 14, 20266.17%first recorded
Caps: 2/2/5; Margin: 2.375%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%first recorded
The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate. The current Index Value is 3.91% as of 07/10/2026 and is subject to change with out notice. Monthly payments may increase corresponding to changes in the rates. The maximum rate and APR over the life of the loan is 4% from the start rate.
Start Rate; 6.250% / 6.990% Rate
- Oct 2, 20266.25%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.02%
- Sep 22, 20266.02%▼ from 6.13%
- Sep 18, 20266.13%▲ from 6.00%
Rates effective as of October 1, 2026. Index Source = 30 Day SOFR. Margin = 2.500. Index Rate = 3.754%. Fully Indexed Rate = 3.754% + 2.500 = 6.254%. 5/6 Annual Cap = 2.000%. 7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter. Life Cap = 5.000% over initial rate. Rates and terms subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878.
- Oct 2, 20266.25%▲ from 6.25%
- Oct 1, 20266.25%▲ from 6.21%
- Sep 27, 20266.21%▲ from 6.15%
- Sep 18, 20266.15%first recorded
As low as 6.368%
As low as 3% down payment; Initial interest rate is discounted and is not based on the Index and margin used to make later APR and payment adjustments. Representative Payment Example at Current Market Rates: For a $400,000 loan at an initial discounted interest rate of 6.000% and APR of 6.379%, the monthly payment schedule would be 60 payments of $2,398.20 followed by 300 payments of $2,870.01 at an interest rate of 7.990% (based on current market rates). This example assumes no change in the rate after the second 5-year adjustment period; however, the interest rate may change every 5 years based on changes in the Index; your payment can change every 5 years based on changes in the interest rate. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes, homeowner's insurance, flood and private mortgage insurance if applicable. Eligible properties are primary residence single-family homes and Planned Unit Development (PUD) properties.
No additional details available.
- Oct 2, 20266.48%▲ from 6.37%
- Sep 29, 20266.37%▲ from 6.19%
- Sep 17, 20266.19%▲ from 6.14%
- Sep 14, 20266.14%first recorded
Rate may be increased after closing
- Sep 24, 20266.54%▲ from 6.47%
- Sep 15, 20266.47%first recorded
Annual Percentage Rate (APR). Current rate 5.500% (6.581% APR) is subject to change. For example on a 30-year 5/5 ARM loan of $300,000, you would make 360 monthly payments. The monthly payment in the first five years would be $1,703.37 and would be adjusted after the fifth year.
- Sep 27, 20266.58%▲ from 6.43%
- Sep 22, 20266.43%▼ from 6.53%
- Sep 18, 20266.53%▲ from 6.46%
- Sep 14, 20266.46%first recorded
No additional details available.
No additional details available.
- Oct 2, 20266.62%▼ from 6.69%
- Oct 1, 20266.69%▲ from 6.62%
- Sep 18, 20266.62%▲ from 6.47%
- Sep 14, 20266.47%first recorded
No additional details available.
- Oct 2, 20266.62%▼ from 6.69%
- Oct 1, 20266.69%first recorded
No additional details available.
On a typical loan of $500,000.00, then 300 monthly payments with a rate of 6.500% and payments of $3,164.85
- Oct 1, 20266.65%▲ from 6.60%
- Sep 27, 20266.60%first recorded
5/1 Arm (30-Year)
Amount: $50,000 to $832,750
- Oct 2, 20266.68%▲ from 6.61%
- Sep 27, 20266.61%▲ from 6.43%
- Sep 18, 20266.43%▲ from 6.36%
- Sep 14, 20266.36%first recorded
Rate may be increased after closing
- Oct 1, 20266.69%▲ from 6.64%
- Sep 24, 20266.64%▲ from 6.57%
- Sep 15, 20266.57%first recorded
Amount: $50,000 to $832,750
- Oct 2, 20266.73%▲ from 6.61%
- Sep 27, 20266.61%▲ from 6.43%
- Sep 18, 20266.43%▲ from 6.36%
- Sep 14, 20266.36%first recorded
No additional details available.
- Oct 2, 20266.75%▲ from 6.38%
- Sep 18, 20266.38%first recorded
No additional details available.
- Oct 1, 20266.75%▲ from 6.38%
- Sep 18, 20266.38%▼ from 6.50%
- Sep 14, 20266.50%first recorded
No additional details available.
Term: 5/6 ARM 30-Year Variable
- Oct 5, 20266.79%▼ from 6.84%
- Oct 2, 20266.84%▲ from 6.79%
- Sep 29, 20266.79%▲ from 6.74%
- Sep 25, 20266.74%▲ from 6.57%
Amount: $50,000 to $832,750
- Sep 27, 20266.81%▲ from 6.56%
- Sep 18, 20266.56%▲ from 6.48%
- Sep 14, 20266.48%first recorded
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%
- Oct 5, 20266.81%▲ from 6.78%
- Oct 2, 20266.78%▲ from 6.74%
- Sep 29, 20266.74%▲ from 6.69%
- Sep 25, 20266.69%▲ from 6.62%
Origination Fee: $1,425; P&I Payments: $1,822.83
- Sep 27, 20266.82%▲ from 6.49%
- Sep 14, 20266.49%first recorded
No additional details available.
- Oct 1, 20266.82%▲ from 6.65%
- Sep 27, 20266.65%▲ from 6.38%
- Sep 14, 20266.38%first recorded
Amount: $50,000 to $832,750
- Oct 2, 20266.86%▲ from 6.81%
- Sep 27, 20266.81%▲ from 6.56%
- Sep 18, 20266.56%▲ from 6.48%
- Sep 14, 20266.48%first recorded
Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.930%
Conform / Jumbo: Up to $806,500
- Oct 5, 20266.86%▲ from 6.57%
- Sep 14, 20266.57%first recorded
No additional details available.
- Oct 2, 20266.87%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.72%
- Sep 17, 20266.72%▲ from 6.60%
- Sep 14, 20266.60%first recorded
No additional details available.
- Oct 2, 20266.89%▲ from 6.82%
- Oct 1, 20266.82%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.67%
- Sep 14, 20266.67%first recorded
No additional details available.
- Oct 2, 20266.89%▲ from 6.82%
- Oct 1, 20266.82%first recorded
No additional details available.
- Oct 1, 20266.93%▲ from 6.84%
- Sep 27, 20266.84%▲ from 6.56%
- Sep 14, 20266.56%first recorded
No additional details available.
- Oct 2, 20266.97%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.72%
- Sep 17, 20266.72%▲ from 6.60%
- Sep 14, 20266.60%first recorded
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
- Oct 1, 20266.98%▲ from 6.86%
- Sep 27, 20266.86%▲ from 6.73%
- Sep 22, 20266.73%first recorded
No additional details available.
San Lucas 30-Year Jumbo Refinance Rates
No additional details available.
- Oct 2, 20266.63%▲ from 6.39%
- Sep 22, 20266.39%first recorded
1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied
No additional details available.
No additional details available.
1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied
No additional details available.
Margin: 2.500%; Caps: 2/2/6
- Oct 1, 20266.27%▼ from 6.52%
- Sep 27, 20266.52%first recorded
No additional details available.
- Oct 2, 20266.31%▲ from 6.24%
- Sep 29, 20266.24%▲ from 6.12%
- Sep 18, 20266.12%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20266.49%▲ from 6.43%
- Sep 27, 20266.43%▲ from 6.24%
- Sep 18, 20266.24%▲ from 6.18%
- Sep 14, 20266.18%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20266.56%▲ from 6.43%
- Sep 27, 20266.43%▲ from 6.24%
- Sep 18, 20266.24%▲ from 6.18%
- Sep 14, 20266.18%first recorded
Published APR range: As low as 6.565%; Published rate range: As low as 6.375%. As low as; Rate 1 7 Years: 6.375%
No additional details available.
- Oct 2, 20266.65%▼ from 6.71%
- Oct 1, 20266.71%▲ from 6.65%
- Sep 18, 20266.65%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20266.65%▲ from 6.61%
- Sep 27, 20266.61%▲ from 6.40%
- Sep 18, 20266.40%▲ from 6.36%
- Sep 14, 20266.36%first recorded
No additional details available.
No additional details available.
Amount: $832,751 to $2,500,000
- Oct 2, 20266.74%▲ from 6.61%
- Sep 27, 20266.61%▲ from 6.40%
- Sep 18, 20266.40%▲ from 6.36%
- Sep 14, 20266.36%first recorded
No additional details available.
- Oct 5, 20266.80%▲ from 6.55%
- Sep 17, 20266.55%first recorded
No additional details available.
- Oct 2, 20266.83%▼ from 6.88%
- Oct 1, 20266.88%▲ from 6.66%
- Sep 27, 20266.66%▲ from 6.61%
- Sep 22, 20266.61%▲ from 6.61%
Published APR range: As low as 6.830%; Published rate range: As low as 6.625%. As low as; Rate 1 7 Years: 6.625%
Payment Example: 3/5 Jumbo ARM Payment Example
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Jumbo loan amounts over the High Balance County Loan Limit; maximum LTV is 70% for $2.5M. APR calculations and payment examples based on 20% down payment or 80% CLTV, FICO 700+, $1,249,125 Loan Amounts. Jumbo loan amounts over the High Balance County Loan Limit: First mortgage 30-year fully amortized $1,249,125 loan amount with a monthly principal and interest payment of $8,206 . Projected payments are not inclusive of all fees and costs, and exclude taxes or insurance. All loans are subject to credit approval, standard underwriting guidelines, and WPCCU membership status. Offer is for new applications only and not valid for refinancing existing WPCCU loans. Rates valid for a limited time only and may be withdrawn at any time. View more rates at mortgage.wpccu.org . Contact WPCCU for details.
- Sep 27, 20266.91%▼ from 6.92%
- Sep 14, 20266.92%first recorded
Amount: $832,751 to $2,500,000
- Sep 27, 20266.94%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.70%
- Sep 14, 20266.70%first recorded
No additional details available.
- Oct 1, 20266.95%▲ from 6.58%
- Sep 14, 20266.58%first recorded
Additional APR listed for this product: 7.196%. As Low As
No additional details available.
- Oct 1, 20267.00%▲ from 6.62%
- Sep 14, 20266.62%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20267.07%▲ from 6.94%
- Sep 27, 20266.94%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.70%
- Sep 14, 20266.70%first recorded
Finance higher-priced homes without a large down payment or multiple mortgages. As low as
- Oct 1, 20267.13%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.63%
- Sep 14, 20266.63%first recorded
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
No additional details available.
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.
- Oct 2, 20267.27%▲ from 7.02%
- Sep 18, 20267.02%first recorded
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
- Oct 2, 20267.29%▼ from 7.42%
- Oct 1, 20267.42%▲ from 7.17%
- Sep 27, 20267.17%▲ from 6.92%
- Sep 22, 20266.92%first recorded
No additional details available.
- Oct 5, 20267.30%▼ from 7.43%
- Oct 2, 20267.43%▲ from 7.30%
- Sep 29, 20267.30%▲ from 7.18%
- Sep 25, 20267.18%▲ from 6.93%
Additional APR listed for this product: 7.42%.
No additional details available.
- Oct 2, 20267.50%▲ from 7.22%
- Sep 18, 20267.22%first recorded
No additional details available.
- Oct 2, 20267.54%▲ from 7.42%
- Oct 1, 20267.42%first recorded
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
No additional details available.
- Oct 2, 20267.60%▼ from 7.71%
- Oct 1, 20267.71%▲ from 7.31%
- Sep 18, 20267.31%first recorded
No additional details available.
- Oct 2, 20267.60%▲ from 7.31%
- Sep 18, 20267.31%first recorded
No additional details available.
- Sep 29, 20267.67%▲ from 7.29%
- Sep 18, 20267.29%▲ from 7.17%
- Sep 14, 20267.17%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20267.71%▲ from 7.08%
- Sep 14, 20267.08%first recorded
No additional details available.
- Oct 1, 20267.75%▲ from 7.38%
- Sep 18, 20267.38%▲ from 7.25%
- Sep 14, 20267.25%first recorded
No additional details available.
up to $1,500,000; APR & payment based on $975,000 loan; Rates subject to change daily. Home Loan Request More Information
No additional details available.
- Oct 2, 20269.88%▲ from 9.76%
- Sep 29, 20269.76%▲ from 9.26%
- Sep 17, 20269.26%▲ from 9.15%
- Sep 14, 20269.15%first recorded
San Lucas 15-Year Jumbo Refinance Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 2, 20266.92%▲ from 6.79%
- Sep 29, 20266.79%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.29%
- Sep 14, 20266.29%first recorded
Jumbo loan amounts over the High Balance County Loan Limit; maximum LTV is 70% for $2.5M. APR calculations and payment examples based on 20% down payment or 80% CLTV, FICO 700+, $1,249,125 Loan Amounts. Jumbo loan amounts over the High Balance County Loan Limit: First mortgage 15-year fully amortized $1,249,125 loan amount with a monthly principal and interest payment of $11,227 . Projected payments are not inclusive of all fees and costs, and exclude taxes or insurance. All loans are subject to credit approval, standard underwriting guidelines, and WPCCU membership status. Offer is for new applications only and not valid for refinancing existing WPCCU loans. Rates valid for a limited time only and may be withdrawn at any time. View more rates at mortgage.wpccu.org . Contact WPCCU for details.
- Sep 27, 20267.06%▲ from 6.32%
- Sep 14, 20266.32%first recorded
No additional details available.
- Oct 2, 20267.11%▲ from 6.74%
- Sep 18, 20266.74%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20267.12%▲ from 6.62%
- Sep 14, 20266.62%first recorded
No additional details available.
No additional details available.
- Oct 5, 20267.34%▼ from 7.46%
- Sep 29, 20267.46%▲ from 7.34%
- Sep 25, 20267.34%▲ from 6.96%
- Sep 17, 20266.96%▲ from 6.83%
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
San Lucas 5/1 Jumbo ARM Refinance Rates
Published APR range: As low as 5.641%; Published rate range: As low as 5.500%. Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20265.64%▲ from 5.50%
- Sep 17, 20265.50%▼ from 5.64%
- Sep 14, 20265.64%first recorded
No additional details available.
Term: 30-year fixed-rate loan; Promotional Rate. Payment assumptions: 720 FICO score, primary residence, 80% LTV/CLTV, and a 1-unit single-family residence. Jumbo: $900,000 loan amount with estimated closing costs of $18,800.00 and an initial promotional interest rate of 5.500% (5.688% APR), fixed for the first five years. The estimated monthly principal and interest payment is $5,110.10. This payment does not include impounds for property taxes or insurance.
Published APR range: As low as 5.904%. As low as; Rate 1 15 Years
- Sep 18, 20265.90%▲ from 5.75%
- Sep 14, 20265.75%first recorded
1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied
Margin: 2.500%; Caps: 2/2/6
- Oct 1, 20266.02%▼ from 6.27%
- Sep 27, 20266.27%first recorded
Margin: 2.375%; Caps: 2/2/5
- Oct 1, 20266.15%▼ from 6.40%
- Sep 27, 20266.40%first recorded
Published APR range: As low as 6.168%; Published rate range: As low as 6.000%. Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20266.17%▲ from 6.00%
- Sep 17, 20266.00%▼ from 6.17%
- Sep 14, 20266.17%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20266.57%▲ from 6.49%
- Sep 27, 20266.49%▲ from 6.32%
- Sep 18, 20266.32%▲ from 6.24%
- Sep 14, 20266.24%first recorded
No additional details available.
- Oct 2, 20266.60%▼ from 6.67%
- Oct 1, 20266.67%▲ from 6.60%
- Sep 18, 20266.60%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20266.62%▲ from 6.49%
- Sep 27, 20266.49%▲ from 6.32%
- Sep 18, 20266.32%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Amount: $832,751 to $2,500,000
- Sep 27, 20266.69%▲ from 6.44%
- Sep 18, 20266.44%▲ from 6.37%
- Sep 14, 20266.37%first recorded
No additional details available.
Amount: $832,751 to $2,500,000
- Oct 2, 20266.74%▲ from 6.69%
- Sep 27, 20266.69%▲ from 6.44%
- Sep 18, 20266.44%▲ from 6.37%
- Sep 14, 20266.37%first recorded
No additional details available.
- Oct 5, 20266.75%▲ from 6.53%
- Sep 17, 20266.53%first recorded
Payment Example: 5/5 Jumbo ARM Payment Example
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
No additional details available.
- Oct 2, 20266.87%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.72%
- Sep 18, 20266.72%first recorded
No additional details available.
No additional details available.
- Oct 1, 20266.93%▲ from 6.56%
- Sep 14, 20266.56%first recorded
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
San Lucas FHA Loan Rates
No additional details available.
Government
No additional details available.
Additional APR listed for this product: 7.193%.
No additional details available.
- Sep 29, 20267.19%▲ from 7.14%
- Sep 25, 20267.14%▲ from 7.01%
- Sep 17, 20267.01%▼ from 19.99%
- Sep 14, 202619.99%first recorded
No additional details available.
- Oct 1, 20267.65%▲ from 7.27%
- Sep 27, 20267.27%▲ from 6.38%
- Sep 15, 20266.38%first recorded
No additional details available.
- Oct 2, 20267.79%▲ from 7.42%
- Sep 14, 20267.42%first recorded
No additional details available.
- Oct 1, 20267.85%▲ from 7.65%
- Sep 27, 20267.65%▲ from 6.63%
- Sep 15, 20266.63%first recorded
As Low As; FHA 30 Year
- Oct 5, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▼ from 7.89%
- Sep 29, 20267.89%▲ from 7.87%
- Sep 25, 20267.87%▲ from 7.37%
As Low As; Utah Housing FHA
- Oct 5, 20267.97%▼ from 8.10%
- Oct 2, 20268.10%▲ from 7.97%
- Sep 29, 20267.97%▲ from 7.84%
- Sep 25, 20267.84%▲ from 7.71%
No additional details available.
- Oct 1, 20268.07%▲ from 7.42%
- Sep 27, 20267.42%▲ from 6.78%
- Sep 15, 20266.78%first recorded
No additional details available.
- Oct 2, 20268.11%▲ from 8.03%
- Sep 29, 20268.03%▲ from 7.90%
- Sep 25, 20267.90%▲ from 7.78%
- Sep 17, 20267.78%▼ from 19.99%
No additional details available.
- Oct 1, 20268.33%▲ from 7.81%
- Sep 27, 20267.81%▲ from 7.04%
- Sep 15, 20267.04%first recorded
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
San Lucas VA Loan Rates
No additional details available.
- Oct 2, 20266.67%▼ from 7.18%
- Sep 22, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%first recorded
No additional details available.
- Oct 5, 20266.75%▲ from 6.53%
- Sep 17, 20266.53%first recorded
Term: 5/6 ARM 30-Year Variable
- Oct 5, 20266.79%▼ from 6.84%
- Oct 2, 20266.84%▲ from 6.79%
- Sep 29, 20266.79%▲ from 6.74%
- Sep 25, 20266.74%▲ from 6.57%
No additional details available.
- Oct 5, 20266.80%▲ from 6.55%
- Sep 17, 20266.55%first recorded
Term: 7/6 ARM 30-Year Variable
- Oct 5, 20266.84%▼ from 6.91%
- Oct 2, 20266.91%▲ from 6.84%
- Sep 29, 20266.84%▲ from 6.78%
- Sep 25, 20266.78%▲ from 6.59%
Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply.
No additional details available.
- Oct 2, 20267.05%▼ from 7.56%
- Sep 27, 20267.56%▲ from 7.05%
- Sep 22, 20267.05%▲ from 6.92%
- Sep 18, 20266.92%first recorded
Government
- Oct 5, 20267.07%▼ from 7.33%
- Sep 29, 20267.33%first recorded
No additional details available.
- Oct 5, 20267.09%▼ from 7.22%
- Oct 2, 20267.22%first recorded
Additional APR listed for this product: 7.371%.
- Oct 2, 20267.27%▼ from 7.40%
- Sep 29, 20267.40%first recorded
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
As Low As; Utah Housing VA
- Oct 5, 20267.60%▼ from 7.73%
- Oct 2, 20267.73%▲ from 7.60%
- Sep 29, 20267.60%▲ from 7.47%
- Sep 25, 20267.47%▲ from 7.35%
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 6, 2026. Use these as the benchmark for the San Lucas, California quotes above; lenders that price refinances separately currently run about 0.180 points higher.
San Lucas, CA Refinance Rate Trends
Compare local San Lucas, CA refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a California refinance quote should be measured against, plus roughly 0.180 points at lenders that price refinances separately.
California 30-year fixed rates rose 0.176 points over the past 7 days to 7.333%.
California 15-year fixed rates rose 0.098 points over the past 7 days to 6.895%.
What San Lucas, CA Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
California Refinance Rate Forecast, Next 12 Months
Where are California refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for San Lucas, CA Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $268,000 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (CA avg) | 7.333% | $1,843 | 39.4% | |
| 6-Month Forecast | 7.333% (6.98, 7.63%) | $1,843 | +$0/mo | 39.4% |
| 12-Month Forecast | 7.583% (7.23, 7.88%) | $1,889 | +$46/mo | 40.4% |
Income column = annual mortgage payment as % of San Lucas, CA median household income ($56,094). Above 30% is generally considered cost-burdened.
San Lucas, California Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current San Lucas, California rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your San Lucas, California Refinance
The rate is only part of the decision. Use these calculators to turn current San Lucas, California home refinance rates into monthly savings, break-even months, and total interest before you talk to a lender.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current San Lucas, California home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current San Lucas, California rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in San Lucas, California
Homeowners in San Lucas, California can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every California lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s San Lucas, California average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in San Lucas, California usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in California quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for San Lucas, California is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Lucas, California refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for San Lucas, California directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in San Lucas, California. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Refinance Works in San Lucas, California
A refinance pays off your current mortgage with a new loan on the same San Lucas, California home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
How San Lucas, California Refinance Rates Compare to Purchase Rates
Most California banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our San Lucas, California mortgage rates page. For example, Citizens Bank is listing a 30-Year Fixed Rate Mortgage Refinance at 7.75% for either purpose. Some lenders price refinances separately and list them by name, such as The Golden 1 Credit Union’s 7-Year SOFR ARM Jumbo Refinance at 6.577%. Across lenders that post both, refinance pricing currently runs about 0.180 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break-Even Point in San Lucas, California
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A San Lucas, California homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs and No-Closing-Cost Loans in San Lucas, California
Refinance closing costs in California typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When San Lucas, California Homeowners Should Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our California refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in San Lucas, California
What are home loan refinance rates in San Lucas, CA today?
Are refinance rates higher than purchase mortgage rates in California?
When does refinancing make sense in San Lucas, California?
How soon can I refinance a mortgage in California?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in California?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I find the best refinance lender in San Lucas, California?
What are the best refinance rates in San Lucas, California?
- Citizens Bank: 7.75% (30-Year Fixed Rate Mortgage Refinance)
- Educational Employees Credit Union: 5.75% (30 Year Fixed Rate - Primary Residence)
- Safe 1 Credit Union: 6.00% (30-Year Fixed Rate)
- Certified Federal Credit Union: 6.25% (30-Year Fixed)
- Partners Federal Credit Union: 6.482% (Partners - 30 Yr Fixed)
San Lucas, California Rates & Resources
