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Joann Ton

LOAN OFFICER
NMLS# 1461031

(714) 399-6361
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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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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: 11/09/2025

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: 11/09/2025

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: 11/09/2025

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.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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.

$

5%

1%

5%

$
$

$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

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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!

$

0%

4.5%

1%

$
$

$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

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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