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Today's Mortgage Pricing Quotes

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Effective 12/03/2019

IPM always offers you pricing in the best 1% of all lenders in CA with fast reliable service.  Click the reviews link at the top of the page to see what clients are saying about IPM.

The below pricing examples are for a conventional loan amount of $400k at 80% ltv on a SFR and assumes a 760+ mid credit score.  FHA and VA loans are usually about .50% better/lower in rate for similar fees.

Closing Costs in RED are points paid by you to buy down the rate and Closing Costs in GREEN are a credit towards your closing costs and third party fees.  The Comp column is what our investor pays IPM, not you the borrower.

Clients looking to refinance usually select the rate with about $2,800 in GREEN closing costs credit, so as to cover all the one time costs.  That is called a 0 cost refinance and results in an APR that is about the same as the note rate.

Our lender related costs are an underwriting fee of about $950, an appraisal fee of about $500 and a credit report fee of $60.  These fees may vary a little, due to IPM using different investors to get you the best possible pricing.

Let IPM save you thousands of dollars on your next home loan. Just compare our written quote to any other company.

IPM is the market leader in price and service. Just read our Yelp, Google, Zillow or above reviews.

15 Year Fixed / 30 day lock

Ask your R.E. agent for a complete list of all the escrow & title insurance companies (3rd party fees) they may charge or request that from IPM on a refinance.

Request a quote using the above link to see how much we can save you. Your information is confidential and it will never be sold or shared with other companies.

Complete the On-Line Application, so we can lock in your rate quote right away. Same day Pre-Approvals for home buyers getting a conforming loan amount.

 

 

 

Request a Quote Form

30 Year Fixed / 30 day lock

 

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Before starting your Online Mortgage Application, be sure and visit our Mortgage Application Checklist. Also, the Helpful Resources page will answer many of your questions on other loan related topics.

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Customer Reviews

"Jim went above and beyond to make my sure deal went through. Not only was he a true professional, but he also gave me a great rate and and super fast service. I will use Jim everytime and will highly recommend him for your purchases."
- D Desousa

"My wife and I have used Isle Pacifica Mortgage three times over the past 15 years or so to refinance residential loans. On each occasion, Jim was professional with many resources at his disposal. Over the years I recommended Jim to several close friends, all of whom had the same positive experience, and I would not hesitate to recommend him in the future."
  - Michael Specht