Current Mortgage Rates —
San Luis Obispo County
We're an independent broker with low overhead and thin margins — which means we pass savings directly to you. Same loan, better rate. No complicated math. We just charge less than the big banks.
Important: Rates update daily and vary based on your credit score, down payment, loan type, property type, and lock period. The rates below are representative figures for reference only — they are not a quote or commitment to lend. Contact us for your actual personalized rate.
Live Rates from Mortgage News Daily
| Loan Type | Term | Rate |  | APR † |
|---|---|---|---|---|
| 30-Year Fixed | 30 yr | 7.48% | 7.125% | |
| 15-Year Fixed | 15 yr | 7.15% | 6.875% | |
| FHA 30-Year Fixed | 30 yr | 7.15% | 6.875% | |
| VA 30-Year Fixed | 30 yr | 7.17% | 6.875% | |
| 30-Year Jumbo | 30 yr | 7.63% | 7.250% | |
| ARM (7/6 SOFR) | 7 yr fixed / adj. | 6.90% | 6.625% |
* Rate sourced from Mortgage News Daily daily survey. The Assist Home Loans rate reflects our representative pricing and is not a guaranteed rate or commitment to lend.
† APR Disclosure (Regulation Z): Annual Percentage Rates (APR) are calculated based on a $700,000 loan amount, $4,000 in estimated prepaid finance charges (no origination fee), and the term shown. APR assumes no points, a single-family primary residence, excellent credit (740+ FICO), and does not include property taxes, homeowner's insurance, or mortgage insurance premiums. Actual APR will vary based on your loan amount, term, credit profile, and final closing costs. These figures are for comparison purposes only and are not an advertisement of available terms. This is not a commitment to lend. All loans subject to credit approval. Assist Home Loans, NMLS #1678642. Licensed by the CA DFPI under the CRMLA.
The Wholesale Broker Advantage
The same loan. A significantly lower rate. Here's why independent brokers consistently out-price retail banks and correspondent direct lenders.
Wholesale Access
We source loans directly from wholesale lenders — the same institutions that fund bank mortgages, but at lower rates reserved for broker channels. Retail banks mark up those rates. We don't.
Low Overhead, Low Margin
No branch network. No layers of corporate overhead. We operate lean on purpose — and pass those savings directly to you as a lower rate rather than padding our margin.
Legally Required to Act in Your Interest
As a licensed broker, we're legally obligated to present you with the best available option — not the most profitable one for us. Banks have no such obligation.
Ready to see exactly what you qualify for?
Get Your Personalized RateWhat Affects Your Rate
The rate you're offered isn't random — five key factors determine exactly where you land relative to the reference rates above.
Credit Score
The single biggest lever. Scores of 740+ unlock the best tiers. A 60-point difference can change your rate by 0.5–1.0%, adding thousands to your total interest over time.
Down Payment
More down means less risk to the lender — and a lower rate. Going from 5% to 20% down can improve your rate by 0.25–0.5% and eliminate PMI entirely.
Loan Type & Term
FHA, VA, conventional, and jumbo all price differently. Shorter terms (15-year vs. 30-year) carry lower rates but higher payments. Your choice should match your long-term goals.
Property Type
Primary residences get the best rates. Second homes add ~0.25–0.5%. Investment properties typically add 0.5–1.0% or more. Condos may also carry a small rate adjustment.
Lock Period & Market Timing
Rates change daily based on bond market movements. A 60-day rate lock costs slightly more than 30 days. We advise on timing and lock strategy based on your specific closing timeline.
Want Your Actual Personalized Rate?
Takes 5 minutes. No hard credit check. No obligation.
We'll shop your scenario across 40+ lenders and show you the best actual rate available for your credit profile, loan type, and property.