---
title: Get Your Rate — Personalized Mortgage Pricing | Surest Loans
description: "Mortgage rates depend on your credit, loan amount, and program. Get a personalized rate quote from a licensed California loan officer in minutes. NMLS #2640412."
---

Surest Loans · NMLS #2640412 · CA DFPI Licensed · Equal Housing Lender

[(213) 867-4223](tel:+12138674223) Mon–Fri 8am–6pm PT

[![Surest Loans](data:image/png;base64,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) SUREST LOANS California Mortgage Brokerage](https://www.surestloans.com/?hsLang=en)

[Home loans](https://www.surestloans.com/home-loans?hsLang=en) [Refinance](https://www.surestloans.com/home-loans#refinance) [Rates](https://www.surestloans.com/get-started?hsLang=en) [About](https://www.surestloans.com/about?hsLang=en) [MLOs](https://www.surestloans.com/mlo?hsLang=en) [(213) 867-4223](tel:+12138674223) [Get pre-qualified](https://www.surestloans.com/get-started?hsLang=en)

California mortgage rates

# Your rate isn't a number on a chart.

Mortgage rates depend on your credit score, loan amount, property type, and program — not a generic table. The fastest way to know your real rate is to ask a licensed loan officer who can run your numbers.

- Wholesale pricing — no retail markup
- Personalized to your credit, loan amount, and program
- No credit pull required to get a quote

CA DFPI Licensed

NMLS #2640412

Response within 1 hour

### Get Your Rate

60 seconds · No credit pull · No obligation

Step 1 of 3 — Loan type33%

Buy a Home

Refinance

Cash-Out Refi

FHA & VA

Estimated purchase price or home value Select a range Under $300,000 $300,000 – $500,000 $500,000 – $750,000 $750,000 – $1,000,000 $1,000,000 – $1,500,000 Over $1,500,000

Estimated credit score Select a range 760+ — Excellent 720–759 — Very Good 680–719 — Good 640–679 — Fair Below 640 Not sure

 Continue

No credit pull · 256-bit encrypted

Step 2 of 3 — Your situation67%

Primary income type Select income type W-2 employee Self-employed / business owner 1099 contractor Retired / fixed income Other

When are you looking to close? Select a timeframe As soon as possible — 0–30 days 1–3 months 3–6 months 6–12 months Just exploring

Property city or zip code

 Continue

← Back

Step 3 of 3 — Contact info100%

First name

Last name

Email address

Phone number

 Your information is encrypted and never sold. By submitting you consent to be contacted by a licensed Surest Loans loan officer.

 Get My Free Rate Quote

← Back

### You’re all set, there.

A licensed loan officer will reach you within **1 business hour**.

[Can’t wait? Call (213) 867-4223](tel:+12138674223)

Why we don't post a rate table

## A generic rate isn't your rate.

Rate comparison sites and bank rate tables show a best-case number that applies to almost no one. Your actual rate depends on factors specific to your file.

### Your credit score

A 40-point swing in credit score can move your rate by a quarter point or more. The rate you see online assumes a score most borrowers don't have.

### Loan amount & LTV

Jumbo loans, high-balance loans, and loans above 80% LTV all price differently. A rate quote without these details is incomplete.

### Property & program

Primary residence, second home, and investment property all carry different rate adjustments. So do conventional, FHA, VA, and jumbo programs.

## Talk to a licensed loan officer.

Get a real, personalized rate quote in minutes — not a number that doesn't apply to you.

[Call (213) 867-4223](tel:+12138674223)

 © 2025 Adel Capital Group LLC DBA Surest Loans. NMLS #2640412. CA DFPI Licensed. Equal Housing Lender.  
 This is not a commitment to lend. All loans subject to credit approval. Rates and terms subject to change without notice.