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UMCA – Today’s Mortgage Rates – 800-230-0168

800.230.0168 Company
805.530.1199 Direct Line to CEO

Today’s Featured Rates & Programs

Updated: Thursday, March 5, 2026
Broker / Discount Fee: 0–1.000% | Lock Period: 30 Days
Base Loan Example: $832,750 | Down Payment Assumed: 20% (Non-FHA/VA)
Credit Score Tiers: Excellent (740+), Good (700–739), Fair (680–699)


Conforming Loans (Up to $832,750)

Term Interest Rate APR
30-Year Fixed 5.750% 5.997%
20-Year Fixed 5.500% 5.720%
15-Year Fixed 5.125% 5.313%
10-Year Fixed 5.125% 5.218%

High Balance Loans (Up to $1,249.125)

Term Interest Rate APR
30-Year Fixed 5.999% 6.105%
15-Year Fixed 5.500% 5.709%

Jumbo Loans (Up to $4,000,000)

Term Interest Rate APR
30-Year Fixed Jumbo 6.125% 6.285%

Government Loans (FHA / VA)

Term Interest Rate APR
30-Year Fixed (IRRRL) 5.375% 5.751%
15-Year Fixed 5.125% 5.488%

Specialty Loan Programs Available

We offer flexible financing across a wide range of needs, including:

  • Multi-Family & Commercial Loans

  • Energy Efficiency Financing
  • Construction Loans

  • ITIN Loans

  • USDA & Manufactured Home Loans

  • Reverse Mortgages & HomeSafe 2nds

  • 2nd Mortgages & HELOCs

  • 3/1 & 5/1 ARMs, Buy-downs, Interest-Only Options

  • DSCR Loans (Available in 46 States – Not in ND, NV, SD, VT)

  • Bank Statement, Bridge Loans, & Asset Depletion Loans

  • Private / Hard Money Solutions


Have Questions? Let’s Talk!
Call or email us today to learn how we can help you eliminate debt in as little as 5 to 7 years—without changing your lifestyle. Whether it’s residential, commercial, or energy-saving financing, we’re here to serve you better.


Important Disclosures

Rates, fees, and programs are subject to change based on borrower credit profile, loan-to-value, market conditions, and loan purpose. Not a commitment to lend.
This is not an advertisement for credit as defined by Regulation Z, Paragraph 226.24.


Licensing Information

  • NMLS #3189

  • CA: Dept. of Real Estate #01870497

  • CO: Regulated by the Division of Real Estate

  • MT: Broker No. 3189

  • TX: 4663 Farringdon Ln.

  • WA: Consumer Loan Company License CL-3189