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10-Year Fixed Conforming Mortgage Refinance

2026

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Santa Rosa, California 10-Year Fixed Conforming Mortgage Refinance

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Direct Home Lending NMLS ID: 274058	4.715% 10 Yr Fixed	4.500% Fees & Points $3,219 Total 0.820 Pts: $2,624 $595 Fees	$3,317	Learn More See Table View
Nation Home Loans NMLS ID: 1513908	4.862% 10 Yr Fixed	4.375% Fees & Points $7,414 Total 0.875 Pts: $2,800 $4,614 Fees	$3,298	Learn More See Table View
iheartloan NMLS ID: 2562839	4.867% 10 Yr Fixed	4.625% Fees & Points $3,608 Total 0.754 Pts: $2,413 $1,195 Fees	$3,336	Learn More See Table View
District Lending NMLS ID: 1835285	4.894% 10 Yr Fixed	4.625% Fees & Points $4,013 Total 0.754 Pts: $2,413 $1,600 Fees	$3,336	Learn More See Table View
Different Mortgage NMLS ID: 324599 License#: 324599	4.939% 10 Yr Fixed	4.750% Fees & Points $2,800 Total 0.875 Pts: $2,800 $0 Fees	$3,356	Learn More See Table View
Access Lending Solutions NMLS ID: 245688 License#: 01827612	4.965% 10 Yr Fixed	4.750% Fees & Points $3,200 Total 1.000 Pts: $3,200 $0 Fees	$3,356	Learn More See Table View
Northpointe Bank NMLS ID: 447490	4.965% 10 Yr Fixed	4.750% Fees & Points $3,193 Total 0.562 Pts: $1,798 $1,395 Fees	$3,356	Learn More See Table View
River City Mortgage LLC NMLS ID: 142954 License#: 60DBO-44759	4.966% 10 Yr Fixed	4.625% Fees & Points $5,187 Total 0.999 Pts: $3,197 $1,990 Fees	$3,336	Learn More See Table View
Zoom Loans NMLS ID: 1312186	5.069% 10 Yr Fixed	4.875% Fees & Points $2,870 Total 0.897 Pts: $2,870 $0 Fees	$3,375	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	5.333% 10 Yr Fixed	5.125% Fees & Points $3,072 Total 0.960 Pts: $3,072 $0 Fees	$3,414	Learn More See Table View
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 10 Yr Fixed			Learn More
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 10 Yr Fixed			Learn More
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 10 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
El Dorado Savings Bank, F.s.b. Updated 01/02/2026	5.33%	5.71% 0.00 points $0.00 fees	$0.00	Learn MoreShow Less See Table View
Star One Credit Union Updated 03/01/2024 Restrictions	6.37%	5.85% 0.00 points $0.00 fees	$0.00	Learn MoreShow Less See Table View
Citibank, National Association Updated 06/15/2022	6.14%	5.88% 0.25 points $3,640.00 fees	$0.00	Learn MoreShow Less See Table View
Patelco Credit Union Updated 09/22/2023 Restrictions	7.34%	6.45% 0.00 points $0.00 fees	$0.00	Learn MoreShow Less See Table View
First Technology Credit Union Updated 02/06/2023 Restrictions	6.87%	6.63% 0.00 points $0.00 fees	$0.00	Learn MoreShow Less See Table View
Fremont Bank Updated 05/17/2024	6.95%	7.33% 1.00 points $0.00 fees	$0.00	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $ and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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Santa Rosa, California 10-Year Fixed Conforming Mortgage Refinance

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