Top San Francisco Mortgage Rates This November

Have falling home prices enticed you into buying a new house? Today’s prices may be low, but don’t forget to research San Francisco mortgage rates, too. The rate you pay to finance your home will have a significant effect on the total cost of your house.

Current Best Mortgage Rates in San Francisco, CA

Depending on the kind of home loan you go with, the interest rates available will vary. However, whether you end up with a fixed rate or adjustable rate mortgage, there is a lender with an excellent interest rate in San Francisco for you. The following are the local lenders currently offering the best mortgage rates this month:

Best Fixed Mortgage Rates in San Francisco

15-Year Fixed

• JPMorgan Chase Bank, National Association: 2.88%
• • No Orig. Fees
  • Points: 0


• Wells Fargo Bank, National Association: 3.13%
• • Orig. Fees: 1%
  • Points: 0


• Western Federal Credit Union: 3.25%
• • No Orig. Fees
  • Points: 0

30-Year Fixed

• JPMorgan Chase Bank, National Association: 3.5%
• • No Orig. Fees
  • Points: 0.25


• Quicken Loans Inc: 3.99%
• • No Orig. Fees
  • Points: 2


• USE Credit Union: 4.09%
• • No Orig. Fees
  • Points: 1

Lowest San Francisco ARM Rates

3/1 ARM

• Wells Fargo Bank, National Association: 2.13%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• Chevron Federal Credit Union: 2.5%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• Provident Credit Union: 2.5%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

5/1 ARM

• Wells Fargo Bank, National Association: 2.25%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• Bank of America, National Association: 2.5%
• • No Orig. Fees
  • Points: 1.13
  • Caps: 2% per Adjustment Period


• JPMorgan Chase Bank, National Association: 2.63%
• • No Orig. Fees
  • Points: 0.25
  • Caps: 2% per Adjustment Period

Be sure you verify these mortgage rates with the lender before you apply. Interest rates are accurate as of November 1, 2011, but may change at any time. Further, you may be subject to additional requirements or credit approval in order to obtain the lowest advertised San Francisco mortgage rate.