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Current Rates

Due to the volatile rate environment, please call Insignia for the most accurate rates: 310-859-0488.

Rates as of: 1/10/2025
LOW RATE
3/1 ARM
Interest Rate
APR
5.750%
6.404%
Interest Only $500,000 - $10,000,000
NO TAX RETURN /FOREIGN NATIONAL
3/1 ARM
Interest Rate
APR
6.625%
6.629%
No Tax Return Required $500,000 - $10,000,000
1st Liens 1/10/2025

PRIVATE BANKING TO $25 MILLION
ARM and Fixed Rates Loans
RATE
APR
5/6 ARM
5.750%
6.148%
7/6 ARM
5.875%
6.153%
Interest-only available. Foreign Nationals OK. Call for details.
JUMBO/PORTFOLIO PROGRAMS - Purchase Money
ARM and Fixed Rate LoansRateAPR
30 Year
to $ 10,000,000
6.500%
6.597%
3/6 ARM
to $ 10,000,000
5.875%
6.436%
5/6 ARM
to $ 10,000,000
6.000%
6.246%
7/6 ARM
to $ 10,000,000
6.125%
6.402%
10/6 ARM
to $ 10,000,000
6.250%
6.430%
For interest-only ARM note rate, please call us at 1-310-859-0488.
Conforming, Government, and Community Loan Programs
Fixed Rate LoansRateAPR
15 Year
up to $1,149,825
6.000%
6.157%
30 Year
up to $1,149,825
6.875%
6.974%
30 Year
Community lending up to $1,149,825
5.990%
6.084%
30 Year
VA Jumbo up to $4,000,000
5.875%
5.968%
HELOC RATE PROGRAM
HELOC
RATE
AMOUNT
2nd Lien HELOC
Prime/Prime+
$250,000 up to $1,000,000*
Call for quotes over $1,000,000
MARKET INDEXES
preloader
INDEXRATES (%)
2-year Treasury4.28
5-year Treasury4.34
10-year Treasury4.50
30-year Treasury4.74
Federal Funds4.33
Prime RateND
No Tax Return / High Net Worth
ARMRateAPR
3/6 ARM
to $10,000,000
6.625%
6.629%
5/6 ARM
to $10,000,000
6.750%
6.848%
7/6 ARM
to $10,000,000
6.750%
6.848%
10/6 ARM
to $10,000,000
6.875%
6.933%
Irrevocable trust, blind trust, corporation, LP and LLC vesting ok
Foreign National Programs
ARMRateAPR
5/6 ARM
to $25,000,000
6.500%
6.822%
7/6 ARM
to $25,000,000
6.500%
6.597%
Irrevocable trust, blind trust, corporation, LP and LLC vesting ok
Stated Income, Bank Statement & CDFI Programs
ARM and Fixed Rate LoansRateAPR
5/6 ARM Stated Income
to $ 5,000,000
6.875%
6.974%
5/6 ARM Bank Statement
to $ 7,500,000
6.750%
6.848%
5/6 ARM CDFI
to $ 3,000,000
9.000%
9.113%
Irrevocable trust, blind trust, corporation, LP and LLC vesting ok.
INVESTMENT PROPERTY & BUSINESS PURPOSE LOANS
ARM and Fixed Rate LoansRateAPR
3/6 ARM
to $ 10,000,000
6.500%
6.875%
5/6 ARM
to $ 10,000,000
6.500%
6.822%
5/6 ARM- DSCR
to $ 10,000,000
7.500%
7.233%
7/6 ARM
to $ 10,000,000
6.500%
6.777%
10/6 ARM
to $ 10,000,000
6.625%
6.806%
Construction & Commercial Loans
ARM RatesRateAPR
Construction
to $25,000,000
8.000%
8.313%
Bridge
to $25,000,000
9.000%
9.319%
Apartment Loans
from $500,000 and up
6.500%
6.609%
Commercial Loans
from $500,000 and up
6.625%
6.735%

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(1) Disclosures
(1) No Tax Return loans and foreign national loan products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we offer may have a higher interest rate, more points or more fees than other products requiring more extensive or different documentation. (2) Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Loan to values (LTV) are based on appraised value. Actual closing times will vary based on borrower qualifications and loan terms. All loans are subject to credit approval. (3) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (4) With an adjustable rate mortgage (ARM), once the fixed rate period ends, the loan payment will adjust after an initial period and then adjust on a regular basis as set forth in the loan documents. For example, a “3/1” loan will have an interest adjustment 3 years after the loan closes and every 12 months thereafter. Also, the loan will be subject to annual and lifetime adjustment caps. Contact your Insignia Mortgage loan officer to determine what your payments might be once the fixed rate period of the loan ends. (5) Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, DRE #01969620, NMLS #1277691
(2) Disclosures
(1) Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Actual closing times will vary based on borrower qualifications and loan terms. All loans are subject to credit approval. (2) “Loan to Cost” (LTC) is defined as the acquisition price of the property plus the cost to build as determined by a bank appraisal. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. (3) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (4) With an adjustable rate mortgage (ARM), the loan payment will adjust after an initial period and then adjust on a regular basis as set forth in the loan documents. For example, a “3/1” loan will have an interest adjustment 3 years after the loan closes and every 12 months thereafter. Also, the loan will be subject to annual and lifetime adjustment caps. Contact your Insignia Mortgage loan officer to determine what your payments might be once the fixed rate period of the loan ends. (5) Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, DRE #01969620, NMLS #1277691.