Live pricing · Redding, CA

Today's Mortgage Rates

The rates below aren't a national average or a teaser. Enter your ZIP code, price, down payment and credit score, and the tool prices your scenario from the same lender pricing Von Mortgage quotes from — purchase or refinance, 30-year fixed to ARM. No credit pull, nothing to sign up for.

Priced when you askLenders reprice daily, often more than once. Each update pulls current pricing.
Purchase and refinanceSix terms side by side: 30, 20 and 15-year fixed, plus 10/6, 7/6 and 5/6 ARMs.
Broker pricingOne scenario, shopped across the wholesale lenders we work with.

Get an exact quote (530) 221-7700

Pete Metz on how to get an exact interest rate quote.

Seeing "No rates available for your scenario"? The tool needs a ZIP code first. If you've entered one and still see it, the combination falls outside a lender's automated guidelines — call or text (530) 221-7700 and we'll price it by hand.

Rate factors

What your mortgage rate depends on

Two people can be quoted different rates on the same day for the same house. These are the inputs that move the number — and most of them are yours to change.

Credit score

Conventional pricing is tiered by score, with the biggest steps between the 600s and the mid-700s. Above roughly 780 the tiers flatten out, so a higher score stops buying a better rate.

Credit guides

Down payment

The less you borrow against the home's value, the lower the lender's risk and the better the price. Twenty percent down also avoids mortgage insurance on a conventional loan; 3% to 5% down is possible at a different price.

Down payment assistance

Loan type

Conventional, FHA, VA and USDA loans are priced on different tables and carry different insurance or funding fees. FHA and VA rates often sit below conventional; the fees decide the total cost.

FHA Conventional VA USDA

Loan term

Shorter terms carry lower rates and higher payments: a 15-year fixed is usually priced well below a 30-year. ARMs start lower than a fixed rate in most markets, then adjust after the fixed period.

Property and occupancy

A primary home is priced best. Second homes, investment properties, condos and two-to-four-unit homes each carry pricing adjustments, which is why the tool asks how you'll use the property.

Investor loans

Points and credits

Every rate comes with a cost or a credit. Paying discount points buys the rate down; taking a lender credit raises the rate and cuts your closing costs. Which is better depends on how long you'll keep the loan.

The six terms in the table

Which loan term is right for you?

The rate table prices every term below for your scenario, with rate, APR and payment side by side — so you compare today's actual spread, not a rule of thumb.

Mortgage loan terms compared: rate relative to a 30-year fixed, monthly payment, and who each term suits
Term	Rate	Payment	Best for
30-year fixed	The baseline every other term is priced against	Lowest fixed payment	Most buyers; keeping the home long-term; qualifying on a tighter budget
20-year fixed	A little below the 30-year	Higher than a 30-year	Paying the home off sooner without the 15-year payment jump
15-year fixed	Well below the 30-year	Much higher; far less interest over the life of the loan	Refinancing homeowners and buyers with room in the budget
10/6 ARM	Fixed for 10 years, then adjusts every 6 months	Lower at first	Owners likely to sell or refinance within a decade
7/6 ARM	Fixed for 7 years, then adjusts every 6 months	Lower at first	Shorter horizons; comfortable with some rate risk
5/6 ARM	Fixed for 5 years, then adjusts every 6 months	Usually the lowest starting payment	Short horizons; a plan to refinance or sell before the first adjustment

ARM rates aren't always below fixed rates — when the bond market flattens they can match or exceed them. That's the point of pricing both on the same day.

Behind the number

How Von Mortgage prices a loan

You set the scenario
ZIP code, price, down payment, credit score, property type, how you'll use the home and the loan type. Change any of them and the pricing updates.
We shop it, not one rate sheet
Von Mortgage is a mortgage broker. The same scenario is priced across the wholesale lenders we work with, and the table shows the results sorted by rate.
Rate and APR, together
The APR folds lender fees and points into the rate, so two quotes can be compared on what they cost — not just the headline number.
Lock it when it's right
A quote is a snapshot; a rate is yours once it's locked. When you're under contract, or ready to refinance, we lock with the lender for the period your closing needs.

Buy now, refi later for free

Buy your home with Von Mortgage and, if rates fall, the Rate Drop Refi™ covers the lender fees on your refinance — up to $4,500.

How the Rate Drop Refi works

Are the rates on this page real, or a teaser?

They're live lender pricing for the scenario you enter, pulled at the moment you run the quote and shown with rate, APR and payment. They aren't a rate advertised to everyone: change the credit score or the down payment and the pricing changes with it.

A rate becomes yours only once it's locked on an application, so treat the table as an accurate starting point rather than a commitment.

Why does the tool ask for a ZIP code first?

Pricing is set per property location, and the taxes and insurance in the payment shown vary by county. Until a ZIP code is entered there is no scenario to price, which is why the table reports "No rates available".

Does checking rates here affect my credit?

No. The tool prices from the score you type in and never pulls credit. A credit report is pulled only when you apply — and mortgage inquiries made within a short shopping window count as one for scoring purposes.

What's the difference between the interest rate and the APR?

The interest rate is what you pay on the balance. The APR adds the lender's fees and any discount points, spread over the loan, so it's the number to use when comparing two quotes: a lower rate with high fees can carry a higher APR than a slightly higher rate with none.

Why is my rate different from the "average rate" in the news?

Published averages, such as Freddie Mac's weekly survey, describe one scenario — a conventional 30-year fixed with strong credit and a large down payment, averaged across the country. Your rate is priced for your credit score, down payment, property and loan type, so it can land above or below the headline number.

How often do mortgage rates change?

Lenders publish new pricing at least once every business day and reprice during the day when the bond market moves. The tool pulls current pricing each time you press Update Rates, so a quote from this morning can differ from one this afternoon.

What does it mean to lock a rate?

A lock is the lender's commitment to a rate and cost for a set period — commonly 30 to 60 days — long enough to close. Until you lock, the rate floats with the market. We lock once your scenario is final and your closing date is in sight.

What are points and lender credits?

A discount point is 1% of the loan amount paid at closing to lower the rate. A lender credit works in reverse: a slightly higher rate in exchange for money toward your closing costs. Which one makes sense depends on how long you expect to keep the loan.

Which areas does Von Mortgage serve?

Von Mortgage is based in Redding, California, and works with buyers and homeowners across Shasta County and throughout California. Buying somewhere else? Ask us — we'll tell you straight away whether we can help.

How do I get an exact quote?

Use the quote form or call or text (530) 221-7700, and Pete's team will price your exact scenario — closing costs included — and send it in writing. Ready to move? Apply online and we'll pull credit and lock when you're ready.

Ready for an exact number?

Get a written quote for your scenario

The table is the starting point. A written quote includes closing costs, APR and the lock period — and it's free.

Get a quote Apply now (530) 221-7700

Rates and pricing shown in the rate tool are provided through BankingBridge from lender pricing at the time of your request and are subject to change without notice. They are not a commitment to lend, a rate lock or a loan approval. Your final rate, APR and payment depend on a complete application, credit report, appraisal and underwriting, and on the lock period you choose. Taxes and insurance included in payment figures are estimates. Dream Big Ownership LLC DBA Von Mortgage, NMLS #2592815. Equal Housing Opportunity.

Today's Mortgage Rates

What your mortgage rate depends on

Credit score

Down payment

Loan type

Loan term

Property and occupancy

Points and credits

Which loan term is right for you?

How Von Mortgage prices a loan

You set the scenario

We shop it, not one rate sheet

Rate and APR, together

Lock it when it's right

Frequently asked questions

Get a written quote for your scenario

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