For even better pricing, call for a custom rate quote based on your FICO score, loan amount & equity. If you’re self employed, own more than one property, pay homeowner’s association dues, have solar panels, have a home equity line of credit or 2nd mortgage, debt to income ratio is above 40%, call for a custom rate quote. Above rates & fees are for rate & term refinance loans. Owner occupied single family residence. Min. 780 FICO score. Borrower’s not self employed and owns no other property. Max. LTV 60%. Call for fees on purchase loans. For lower rates or fees, or loans under $150K or above $1,149,000 call for a custom quote. APR for conforming loans was calculated based on a $400,000 loan. APR on high balance loans was calculated based on a $900,000 loan. Questions or to apply by phone: 760 257 3000 9:00 – 9:00