Mortgage rates have been maintaining historic lows, according to to the latest data from Freddie Mac. A conforming 30-year fixed loan as of this week averages 3.24%, the fourth week in a row below 3.30%. A conforming 15-year fixed rate loan is at 2.70%, the lowest for the last five years. Those ready to buy a home have good reason to look now while this rate opportunity lasts, so purchase demand is strong. At the same time, many homeowners are trying to refinance. This unprecedented borrower demand in a recession, combined with limited processing and financial capacities, many banks are actually increasing requirements for loan applicants. Thus, rates and loan standards vary widely between banks. In fact, MBA’s Mortgage Credit Availability Index has fallen to levels not seen in six years. Please reach out to us for our lender recommendations, as we have a number of tried-and-true loan officers at a variety of financial institutions with varying types of loan products; we can do our best to match you and save your time.

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(415) 347-5669


580 4th St, San Francisco, CA 94107