Today's Mortgage Rates

Rates current as of 9/12/2025

6.000% Rate

6.047% APR

30 Year Fixed

Rate Assumptions

5.875% Rate

5.921% APR

20 Year Fixed

Rate Assumptions

5.125% Rate

5.233% APR

15 Year Fixed

Rate Assumptions

5.125% Rate

5.253% APR

10 Year Fixed

Rate Assumptions

Purchase

Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month.

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Refinance

Changing the terms of your loan can benefit you and maximize your monthly income. A lower monthly mortgage payment can help free-up money so you can save, invest or use for other expenses.

Refinance Options

Programs

We offer a variety of Home Loans and Mortgage Products. Make your purchase, refinance or investment a well informed decision by comparing all products that we have available.

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Our Promise To You

At Pacific Beneficial Mortgage, we combine deep industry knowledge with a client-first approach—making us the trusted partner for those who value quality, discretion, and bespoke financial service.

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Are You Ready to Get Started?

Changing the terms of your loan can benefit you and maximize your monthly income. If you are ready to apply for your mortgage refinance just click the button below.

Ready to Apply Contact Mortgage Advisor

5-star Customer Reviews

"Fast and non-judgmental. I have bad credit and needed cash to pay off my debts. I was already denied and told I didn’t qualify so when Pacific Beneficial called I told them I couldn’t refi. They asked why and we talked about my situation. Turns out I DID qualify! At first I was embarrassed talking about being in debt but, they made me feel comfortable and I never felt judged. I paid everything off and am saving SO much money every month!! Thank you Jason, June, and Bill! "
Deana
"It was so easy!! The entire refinance process was seamless and really easy. Rowel kept me updated on the entire process & often called just to make sure I was aware of the next steps. He was very accessible by phone, text & email and made the whole process run very smoothly. I would recommend to my family & friends that they ask for Rowel specifically to handle their financial needs–he was that good!!"
Jonna
"Knows his stuff! Jason saved our purchase. After starting with someone else, we were sure we didn’t qualify and weren’t going to be able to buy the house. Jason stepped in ½ way, and we got the house! Couldn’t be more grateful!"
Janet
"A loan officer you can trust, June did an awesome job for us on our home loan. She is very responsive and attentive. The communication was top notch and most important she delivered exactly what she said she would. I trusted her and so can you. "
Eric
"Great guy and super fast! Jason, June and the team did an amazing job. This was our third refinance with Pacific Beneficial, and it closed in 2 weeks! We were more than impressed and would recommend them to anyone looking for a mortgage or refi in CA. Our loan had no cost and the appraisal was waived. Thanks again you guys!!"
Shalla

Your Mortgage Process Made Easy!

Today's Mortgage Rates

6.000% Rate

6.047% APR

30 Year Fixed

Rate Assumptions

5.875% Rate

5.921% APR

20 Year Fixed

Rate Assumptions

5.125% Rate

5.233% APR

15 Year Fixed

Rate Assumptions

5.125% Rate

5.253% APR

10 Year Fixed

Rate Assumptions

Our Promise To You

At Pacific Beneficial Mortgage, we combine deep industry knowledge with a client-first approach—making us the trusted partner for those who value quality, discretion, and bespoke financial service.

learn more

Are You Ready to Get Started?

Changing the terms of your loan can benefit you and maximize your monthly income. If you are ready to apply for your mortgage refinance just click the button below.

"Knows his stuff! Jason saved our purchase. After starting with someone else, we were sure we didn’t qualify and weren’t going to be able to buy the house. Jason stepped in ½ way, and we got the house! Couldn’t be more grateful!"

"A loan officer you can trust, June did an awesome job for us on our home loan. She is very responsive and attentive. The communication was top notch and most important she delivered exactly what she said she would. I trusted her and so can you. "

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