today's california rates
 
Conforming 5yr I/O ARM (Up to $417,000)
Rate: 3.25% APR: 3.47% (1 pts)
Rate: 3.75% APR: 3.98% (0 pts)
Jumbo 5yr ARM I/O (Up to $2 million)
Rate: 4.375% APR: 4.06% (1.5 pts)
Rate: 4.625% APR: 4.15% (0.5 pts)
Jumbo 10yr ARM I/O (Up to $5 million)
Rate: 5.25% APR: 4.89% (1.5 pts)
Rate: 5.5% APR: 4.95% (0.5 pts)
APR Assumptions: 740 + FICO, SFR, RATE & Term, Primary, CA, Impds, 417k (700k Jumbo)
Current as of: 2/26/2010, 10:00am
Little or no equity?
 
You may still be able to refinance and lower your rate through the government's Home Affordable Refinance Program (HARP).

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Refinance
Refinancing may be undertaken to reduce interest rate, to extend the repayment time, to pay off other debt(s), to reduce or alter risk (such as by refinancing from a variable-rate to a fixed-rate loan), and/or to raise cash for investment or consumption. Whatever your goals are, IPL Mortgage is here to help you accomplish them.

When refinancing a mortgage and comparing multiple lenders, it is important to compare all costs associated with the transaction to truly determine who is offering the best deal. Not only are IPL Mortgage's rates and fees amongst the lowest in the industry, but so are the escrow and title services we've negotiated. Below are tables showing our escrow and title rates compared with the industry average:
  Escrow Fees, all loan amounts: Our Rates Industry Average  
Escrow/Closing Fee $525 $550
Doc Prep $0 $125
Notary $0 $150
Courier $0 $45
 
  Title Insurance: Our Rates Industry Average  
Loan Amount Premium Premium
$0 - $250,000 $300 $450
$250,001 - $500,000 $450 $750
$500,001 – 750,000 $550 $1050
$750,001 - $1,000,000 $660 $1,250
$1,000,001 - $1,250,000 $760 $1,500
$1,250,000 - $1,500,000 $860 $1,700
$1,500,000+ Call