A loan with lots of flexibility

*The interest rates and fees shown above are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

**Points will vary based on credit score, loan-to-value, and type of transaction.

The information provided for the 30 Year Fixed Rate assumes the purpose of the loan is to purchase a property, with a loan amount of $580,000 and an estimated property value of $725,000. The property is located in Los Angeles, CA and is within Los Angeles county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 780.

At a 6.125% interest rate, the APR for this loan type is 6.141%. The monthly payment schedule would be:

359 payments of $3,524.14 at an interest rate of 6.125%
1 payment of $3,524.51 at an interest rate of 6.125%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. 

All rates subject to change and subject to credit approval. Full product information is also available in our branches.

For Home Equity Loans: No lender origination fees when a minimum loan amount of $40,000 and maximum $100,000 is approved and for a maximum of 80% of your home's value. Accommodation- recording fees, title charges to clear or transfer liens, or indemnification due to construction on the subject property may be required. The borrower is responsible for these costs.

For the Home Equity Line of Credit: *5.99% APR is an introductory rate for the first six months and then Prime Rate + 1% Annual Percentage Rate (APR) based upon 80% or less Loan to Value ratio with a FICO Score of 720 and above. Rate to change quarterly (January 1, April 1, July 1, October 1) and will correspond to changes in the Index. The Index is the Major Bank Prime Rate as published periodically in the Wall Street Journal. The Index value used at each Change Date is the value in effect on the first day of the month preceding each calendar quarter. Minimum line amount is $15,000; maximum line amount is $300,000. There is a 10-year draw period (interest only payments) with a 15 year (fully amortized) repayment period. Minimum initial draw is $10,000. Estimated Closing fees are $1,500. The Closing Cost will be deducted from the first draw at close of your loan. Other restrictions may apply. No line granted over 80% Loan to Value. Minimum FICO score required for 80% Loan to Value or less is 720. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends. The Annual Percentage Rate will never exceed 18.0%. Review full disclosure and terms for our Home Equity Line of Credit by requesting a rate quote.