30-year fixed
National average · not a locked GR quote
6.76%
Get pre-qualified
Freddie Mac · U.S. weekly average
This week's market rates
Your GR Financial Services rate is priced to your credit, occupancy, and property — it may be higher or lower than this national average. FHA, VA, jumbo, and hard money are quoted to the file.
Freddie Mac · U.S. weekly average
This week's market rates
PMMS as of September 10, 2026
15-year fixed
National average · not a locked GR quote
6.09%
Get pre-qualifiedYour GR Financial Services rate is priced to your credit, occupancy, and property — it may be higher or lower than this national average. FHA, VA, jumbo, and hard money are quoted to the file.
3% down · 620 credit
Conventional
Fannie and Freddie programs for buyers with cleaner credit. First-time 3% down options, PMI that drops off, and jumbo when you need it.
Get pre-qualified3.5% down · 580 credit
FHA Loans
The workhorse for first-time California buyers. Lower credit, smaller down payment, and we check you for California down-payment assistance.
Get pre-qualifiedZero down · no PMI
VA Loans
The most powerful benefit most veterans never fully use. $0 down, no monthly PMI, and competitive rates we shop across lenders.
Get pre-qualifiedHigh-balance & jumbo
Jumbo & High-Balance
California home prices often blow past conforming limits. We place high-balance and true jumbo loans so your offer is taken seriously in Riverside, Orange, and Los Angeles counties.
Get pre-qualifiedZero down · eligible areas
USDA Loans
If the property sits in a USDA-eligible pocket of Riverside or Orange County outskirts, you may buy with $0 down and a modest income cap.
Get pre-qualifiedQuoted to the deal · fix & flip, bridge, land, commercial
Hard money
Asset-based capital when the bank says no. We quote the file — not a teaser rate on the internet.
30- and 15-year figures are the Freddie Mac Primary Mortgage Market Survey (PMMS), a U.S. weekly average of conventional purchase loans, refreshed automatically from Freddie Mac. They are not a commitment to lend or a locked quote from GR Financial Services. Your rate, points, and APR depend on credit, occupancy, property, and lock period. Hard money is quoted to the deal.
Payment studio
What would this home cost each month?
Tap a percent to play with it. Payment updates live.
This is an estimate only — not a Loan Estimate or a locked quote. Taxes assume 1.1% (typical Southern California). Insurance 0.35%. Rate defaults to this week's Freddie Mac 30-year average — edit it to test a payment. Your actual rate depends on credit, occupancy, and property.
Estimated monthly · estimate
$5,635
- Principal & interest
- $4,472
- Est. property tax
- $665
- Est. insurance
- $211
- PMI / MIP
- $287
Ready when you are.
Pre-qualify online, book 30 minutes with Josue, or call the desk. Evenings by appointment.
Prefer text? (951) 227-1173