Joann Ton – Your Trusted Mortgage Advisor – Los Angeles Home Loans & Refinancing Joann Ton

WHY CHOOSE US AS YOUR TOP-RATED MORTGAGE BROKER?

Our distinction lies in being an educational-focused mortgage broker committed to securing the perfect home loan for you, coupled with delivering an unparalleled experience throughout your home buying or refinancing journey.

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What's Your Home Worth Today?

Real Customer Experiences

CURRENT CALIFORNIA

MORTGAGE RATES

FHA Loans

PURCHASE – 30 YEAR FIXED

RATE

5.33%

APR

6.281%

1W Change

0.00%

1W Change

0.00%

REFINANCE – 30 YEAR FIXED

RATE

5.38%

APR

6.437%

1W Change

0.00%

1W Change

0.00%

Last Updated: 05/16/2025

Conventional Loans

PURCHASE – 30 YEAR FIXED

RATE

6.739%

APR

6.458%

1W Change

0.17%

1W Change

0.07%

REFINANCE – 30 YEAR FIXED

RATE

6.75%

APR

6.97%

1W Change

0.37%

1W Change

0.03%

Last Updated: 05/16/2025

VA Loans

PURCHASE – 30 YEAR FIXED

RATE

5.21%

APR

5.28%

1W Change

0.42%

1W Change

0.60%

REFINANCE – 30 YEAR FIXED

RATE

5.46%

APR

5.728%

1W Change

0.06%

1W Change

0.05%

Last Updated: 05/16/2025

FHA Loans

PURCHASE – 30 YEAR FIXED

RATE

5.63%

APR

6.458%

1W Change

0.00%

1W Change

0.00%

PURCHASE – 30 YEAR FIXED

RATE

5.63%

APR

6.458%

1W Change

0.00%

1W Change

0.00%

FHA Loans

PURCHASE – 30 YEAR FIXED

RATE

5.63%

APR

6.458%

1W Change

0.00%

1W Change

0.00%

PURCHASE – 30 YEAR FIXED

RATE

5.63%

APR

6.458%

1W Change

0.00%

1W Change

0.00%

FHA Loans

PURCHASE – 30 YEAR FIXED

RATE

5.63%

APR

6.458%

1W Change

0.00%

1W Change

0.00%

PURCHASE – 30 YEAR FIXED

RATE

5.63%

APR

6.458%

1W Change

0.00%

1W Change

0.00%

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Joann Ton to receive a personalized rate for your specific situation.

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

Purchase Price $

Mortgage Term

Down Payment ($)

Annual Taxes ($)

Interest Rate (%)

Mortgage Insurance Rate (%)

Annual Insurance $

Monthly HOA $

Want a Copy of the Results?

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

Purchase Price $

Mortgage Term

Down Payment ($)

Annual Taxes ($)

Interest Rate (%)

Annual Insurance $

Monthly HOA $

Want a Copy of the Results?

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

First Time VA Loan?

Mortgage Term

Purchase Price $

Down Payment ($)

Interest Rate ($)

4.5%

Annual Taxes ($)

Annual Insurance ($) $

Monthly HOA $

Want a Copy of the Results?

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

Curious about refinancing your home in Los Angeles? Now may be the right time to start saving money every month!

Current Loan Amount $

Interest Rate %

Current Term months

Origination Year

New Loan Amount $

New Interest Rate %

New Loan Term months

Refinance Fees $

Want a Copy of the Results?

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

Annual Income $

Monthly Debts $

Estimated annual property taxes $

Estimated Annual Home Insurance $

Down Payment $

Interest Rate %

Loan Term

Want a Copy of the Results?

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

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