Fixed-Rate Conforming Loans and Jumbo Loans

A fixed-rate home loan locks in a competitive fixed mortgage rate with predictable monthly payments.

Conforming 30 Year4.200%Interest Rate 4.207%APR 0.087%Points
FHA 30 Year4.100%Interest Rate 4.122%APR 0.263%Points

Advertised interest rates and APR assumes excellent credit score.
As of 02/15/2018 14:39:59 PM. Read Disclosures.

Get Prequalified

Pricing Discounts


Using OWB or CIT Account


First Time Home Buyer


New Relationship

10% Loan Amount in Deposits


$500K+ Banking Relationship


Customers are only eligible for one of the available rate discounts. Discounts cannot be comibined. The discount applies to the rate on Fixed-Rate Mortgage and the initial fixed-rate on Adjustable-Rate Mortgages.

Fixed-rate loans offer you security by allowing you to avoid the risks and uncertainty of fluctuating interest rates and increased loan payments. You can also choose your terms with a 10-, 15-, 20-, 25- or 30-year repayment plan.

If you currently have an adjustable rate mortgage (ARM), upcoming changes in the economy and future interest rate increases may make this a great time to lock in a fixed-rate. While rates remain at near historic lows, enjoy the advantages of a fixed-rate home loan.

To get started or to request more information regarding our fixed-rate options and rates, please call us at 1.866.659.8652. One of our experienced mortgage lending specialists will be happy to answer any questions you may have.

You can also click on Get Started below to request a call, or you can visit us at your local branch.

Get Started

Important Disclosures

It is important to know that with Adjustable-Rate Mortgages, your payment and rate may increase significantly over time.

Not all applicants will qualify for financing. Mortgage rates and terms are subject to change without notice.

Mortgages with LTVs higher than 80% with no PMI may generally have a higher interest rate and/or fees than other mortgages. This may result in a loan without mortgage insurance being more costly for a borrower who intends to remain in the property for a longer period of time. A borrower who intends to remain in the property for a shorter period of time may find that the extra interest cost is lower than the amount of PMI payments for that period of time.

Mortgage escrow accounts are created so that you can pay your yearly property taxes, homeowner’s insurance and mortgage insurance in monthly installments throughout the year, rather than all at once. When these bills are due, we disburse the funds from your escrow account to pay the taxes and insurance in a lump sum. If there is a requirement for a mortgage escrow account at closing, it will be required to be maintained for five (5) years after closing.

The rates displayed may require the establishment of an escrow account upon closing. If you choose to pay taxes and insurance separately, you will be responsible for timely payments, which may be substantial.

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