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Real Estate

Our rates are lower than Quicken, Wells Fargo, Chase, and other national lenders.

Best California Mortgage Rates

3.125% for 30-year fixed, APR 3.223%

Refinance Mortgage

Purchase Home

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*Interest Rate Assumption: 30-Year Fixed-Rate Mortgage: Purchase transactions only. Buyer must work with a Home Bay Affiliated Agent or Broker. Interest Rate updated 2/7/2020. Interest Rate is based on $600,000 purchase price, $450,000 loan amount, FICO 740. The payment on a $450,000 30-year Fixed-Rate Loan at 3.125% is $1,927.69 with zero points due at closing. TheAnnual Percentage Rate (APR) is 3.223%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Individual results may vary.

3611 Valley Centre Dr #175, San Diego, CA 92130


Home Bay Financial Inc.

CAL DRE Corp ID # 02090922

NMLS# 1856453