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Home Loan Rates

Mortgage Capital Associates offers a variety of mortgage products with competitive rates. Learn current mortgage rates and get a personalize quote.

Mortgage Rates

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Home Loan Calculators

Use our online mortgage calculators to estimate your monthly payments in just minutes! Our calculator includes amortization tables, bi-weekly savings estimates and more.

Mortgage Calculators

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1-on-1 Loan Consultation

No matter where you live, a friendly mortgage loan originator is just a phone call away. Fill out a simple form for a call back at your convenient time!

Apply Online by Loan Officer’s Name

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Finding The Right Mortgage Option:

Mortgage Capital can clearly explain your options, you can better select a mortgage that is right for your financial situation.

  • Fixed has predictable payments.
  • Variable (ARM) have an interest rate that may change periodically.
  • Jumbo for higher loan amount.
  • FHA with low down payment options and flexible credit.
  • VA loan up to 100% financing for qualified borrowers.
  • Reverse Mortgage for homeowners 62 years or older.

Current Processing Timeline

Simple and transparent loan process, we use advanced web-based secured paperless file system to streamline loan process and accept e-signatures.

Note: Processing times are estimated and may vary due to volume, file complexity, and other factors.

Open to Process - 3 to 5 business days
Underwriting (Purchase) - 7 to 10 business days
Underwriting (Refinance) - 9 to 14 business days
Clear to close - 3 to 5 business days

Today’s Mortgage Rates

Loan Program Rates APR Get Started
Conforming 30-Year Fixed 3.500 % 3.513 % APPLY ONLINE
Conforming 15-Year Fixed 2.875 % 2.898 % APPLY ONLINE
Jumbo 30-Year Fixe 3.875 % 3.898 % APPLY ONLINE
Jumbo 15-Year Fixed 3.625 % 3.635 % APPLY ONLINE

Buying a Home?

Getting prequalified is the initial step in the mortgage process, and it’s generally fairly simple. We will help you take the first step toward your home financing goal with a pre-qualification consultation.

  • Rent vs. Buying
  • Buying a First Home
  • Buying an Investment
  • Buying a Second Home
  • How Much Can I Borrow
  • Low Down Payment Options

What Clients Tell Us About Their Experience with MCA

  • Jennifer was readily available when I needed to speak with her. I find it VERY important to be able to call my mortgage agent to get questions answered quickly. Jennifer provided that. She was very honest, blunt and concise. I recommend her 100%.

    Rob P.
  • As a real estate professional, I’ve now worked with Jennifer Cho of Mortgage Capital Associates a few times over the past several months.  Her level of professionalism, communication, and overall timeliness is outstanding.  I can’t stress how many lenders I’ve come across over the years that leave so much to be desired.  This company, and Jennifer, stand above the pack.  I highly recommend her team.

    Simone C.
    2/24/2016 CA
  • I own a number of properties. I have used David Young at Mortgage Capital numerous times. I use them because their rates are far better than a traditional mortgage broker. If you are looking to have your hand held and willing to pay for that experience, Mortgage Capital may not fit your needs. They make their money off volume. But if you want to save a ton of money, these are your guys. In the past 10 years, I have used them at least 5 times. Only once did I use another lender.

    Scott W.
    8/31/2015 WA
  • I was dealing with 3 different companies when i started the process of refinancing my home to remove Mortgage Insurance. MCA was by far the lowest provider not just in loan costs but also interest rate. Their service was also impeccable. Sidney Flores and her team were updating me constantly on the status of my refinance. At all hours not just your standard 9am to 6pm office hours. Really a great organization and you should definitely give them a call if you are looking for mortgage loans.

    Juan P.
    10/15/2015 CA
  • I had awesome mortgage processing experience with Jennifer. She followed up on items required for mortgage fast and in timely manner. This resulted in smooth closing even though the closing timeline was a bit tight. I definitely will recommend others to her for any loan mortgage. Jennifer replied to my questions in emails quickly and clearly which helped me in understanding the process better as it was my first time applying for mortgage.

    Dilka S.
    4/28/2015, TEXAS
  • The Loan Officer that we used was Jose Flores and I was extremely impressed with the wonderful customer service he provided me and my wife. He did an outstanding and efficient job in servicing our loan. He was courteous, detailed, knowledgeable and patient with any question or request we had of him. I thanked him for his great service. I found you all through Bankrate.com and Jose almost immediately contacted me once I submitted my information. He followed-up with me as I requested and was professional in all that he did. I would highly recommend Mortgage Capital Associates and Jose to anyone that I know is looking for a home loan. As a matter of fact, I have already recommended you all to friends already.

    Rafael & Maria Jimenez
    03/21/2015 Texas
  • MTG and Jennifer Cho was a pleasure to work with. Jennifer and her team was always very responsive, especially with the fact we were working in 2 different time zones. Rates were competitive and so was the pricing. Jennifer and the MTG team was very thorough and efficient each day through the process. Should I ever need a loan or refinance, I wouldn’t blink twice to come back to MTG.

    Ralph Auriemma
    02/23/2015 Illinois
  • I came across MCA through an online search for the best mortgage rates. I engaged with Jennifer through their online Chat tool and instantly was impressed by her knowledge and advice on various products. I was initially suspicious about going with an online broker and someone I had not met, but Jennifer made me feel at ease. Jennifer and I worked together to ensure a quick closing on my vacation home refi which is not necessarily the easiest mortgage (given it’s remote location) Thanks!

    Colin H.
    2/20/2015 CA