30-year fixed 7.375% rate 7.424% APR Posted Fri, Oct 9
Home loansfor all ofCalifornia.
Buy, refinance or take cash out. Talk to a licensed loan officer today.
Home First Financial is a registered trade name of CalHFF, Inc., NMLS 2465048. Licensed by the California Department of Real Estate, license 02210955. Equal Housing Opportunity. NMLS Consumer Access
Loans we do
We're a mortgage broker in Tustin, so we shop your loan for you, anywhere in California.
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Interest-only Pay just the interest at first. -
Buy before you sell Buy the next home before you sell. -
Self-employed Qualify on bank deposits or a P&L. -
Low down payment Less saved than you might think. -
First-time buyers We'll walk you through it, start to finish. -
VA loans For veterans and service members. -
Refinance See if a new loan lowers your payment. -
Cash out Turn home equity into cash.
Also Reverse mortgage to buyRental propertyGift money from familyLower payments the first yearsTurned down elsewhereWaiting on rates
Every loan is subject to qualification. Terms and fees vary by loan. Not a commitment to lend.
Today's rates
Posted Fri, Oct 9
Our posted rates, with the APR beside each one.
All rates and what they assume| Loan | Rate | APR |
|---|---|---|
| 30-year fixedSame payment for 30 years | 7.375% | 7.424% |
| 15-year fixedPaid off in 15 years | 6.875% | 6.954% |
| 40-year fixed, interest only for the first 10 yearsInterest only for 10 years, then principal and interest for 30 years | 7.625% | 7.764% |
| 30-year FHALow down payment, government-insured | 6.990% | 7.624% |
| 30-year VAFor eligible veterans | 6.990% | 7.225% |
Fixed and 40-year rates: a $750,000 primary home in California, 25% down, 780 credit, 0 points. FHA and VA rates: the same home with the minimum down payment, 740 credit, 0 points.
What these rates assume
Home First Financial's posted rates, as of Friday, October 9, 2026. The APR includes estimated lender fees.
15- and 30-year fixed and 40-year interest-only: based on the purchase of a $750,000 single-family home or condo, primary residence, in California, with 25% down, a 780 credit score and 0 discount points.
FHA and VA: based on the same purchase with the minimum down payment (3.5% for FHA, 0% for VA), a 740 credit score and 0 discount points.
30-year fixed: 360 monthly payments of principal and interest.
15-year fixed: 180 monthly payments of principal and interest.
40-year: the minimum payment is interest only for 10 years, then the balance is paid off over the remaining 30 years at the same fixed rate. It needs at least 15% down with credit from 660, or at least 10% down with a 740 credit score on loans up to $2 million. If you pay no extra principal, the payment after the interest-only years is higher than the interest-only payment.
Your rate, APR and payment depend on the loan amount, down payment, credit and property. Rates change without notice. Not a commitment to lend.
Find your loan
A few quick questions. You see what fits right away, with no contact details asked.
Our loan officers
Licensed across California. Call, text or apply online with any of us.
Late? Text or leave a message.
All loan officersReal estate agent? Send a client to one of us. Your client stays yours. We never send them to another agent.
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Kevin Piel
Sales ManagerNMLS 236235 DRE 01232543
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Brett Hickman
Loan OfficerNMLS 2010859 DRE 01843823
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Marcia Zigler
Loan OfficerNMLS 1608840 DRE 02030282
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Bob Hickman
Loan ConsultantNMLS 1056575 DRE 01279693
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Kevin Shoup
Branch ManagerNMLS 491684 DRE 01264148
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Michael Craig
Loan OfficerNMLS 1405080 DRE 01322768
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Rachelle Chang
Loan OfficerNMLS 1052999 DRE 02208655
Apply with Rachelle Chang 949-230-3000 (call Rachelle Chang)
How it works
All eight steps, start to finish-
Apply
Online in about 15 minutes, or on a call with your loan officer.
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Get pre-approved
Know what you can spend before you shop.
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Close
Most purchases close about thirty days after the seller says yes.
Questions
Already have a quote?
Send us your Loan Estimate. A loan officer goes over it with you, and if your deal is good, we'll say so.
Get a second opinionWhere does Home First Financial work?
All of California. Our loan officers are licensed statewide, and most of a loan happens by phone and email. Meet us at the main office in Tustin, or at a desk by appointment.
Will talking to a loan officer hurt my credit?
No. A conversation doesn’t touch your credit. A full application includes a credit check, and your loan officer tells you before that happens.
How long does it take to buy a home?
Most purchases close about thirty days after the seller accepts your offer. Getting pre-approved first can take a few days.
What if a lender already said no?
Talk to us anyway. A lot of “no” answers really mean “not with that loan.” We look across loan types, not just one.
What is an APR?
The APR is the yearly cost of the loan, with the interest rate and some fees rolled in. Compare APRs, not just rates.
Talk to a loan officer
All of California. Our loan officers are licensed statewide, and most of a loan happens by phone and email.
The application takes about 15 minutes, on the secure site we use. Do what you can, and your loan officer calls to fill in the rest.
- Main line
- (714) 881-3383
- Office
- 12681 Newport Ave, TustinMeet us there by appointment
- Late?
- Text or leave a message.