*APR = Annual Percentage Rate. Advertised rates are effective as of 06/01/2020 and are for Conforming Mortgage Loans up to $510,400. Contact a Mortgage Consultant for current rates. Your actual interest rate will be determined at the time an interest rate lock is completed. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to approval and additional restrictions may apply. Mortgage loan services provided by Member First Mortgage LLC (NMLS ID #149532) Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. CommonWealth Central Credit Union (NMLS ID #458544).