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Refinance Today: Request a Free No-Obligation Consultation

10-Year at 2.990 APR1

Easy to Understand Loan Options

Our no closing cost 2 fixed rate mortgage products are easy to understand and even easier to pay. With a fixed rate mortgage, you can lock in a low interest rate and know what your monthly principal and interest payment will be for the entire term of the loan.

Lowest Refinance Interest Rates in 48 Years

Mortgage rates are lower than they've ever been! There's no better time to refinance 3 your home mortgage than right now, and there's no better bank to refinance with than Fremont Bank.

Serving Your Community Since 1964

We're a leading full-service community bank in Northern California. For nearly 50 years, we’ve held to an unwavering commitment to providing the communities we serve with financial resources and building professional relationships second-to-none.

Fast Service & Follow Up

With our state of the art technology and local underwriting, we’ll process your loan application quickly, so you can spend your time with plans for your home, and not paper-work.

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Fremont Bank takes the security of your money and information seriously. That's why we use a variety of methods designed to give you peace-of-mind. For example, you'll notice that the URL for this page is set to "HTTPS." That means we use 256 bit SSL encryption. Your information is private and secure.

SAMPLE LOAN
  • Loan Amount:
  • Interest Rate:
  • Term:
  • Monthly Payments:
  • $400,000
  • 2.990 APR1
  • 10 Years
  • 120 @ $3860.58*

  • 10-year fixed rate

    2.990 APR1

  • 15-year fixed rate

    3.250 APR1

  • 15-year fixed rate

    3.750 APR1
15/30 year payment information
  • "I've had at least five home loans with Fremont Bank over the years. They have the best rates and the people are so helpful."
    John D.
    Hayward, CA
  • "Our refi was completed in one month from query phone call to loan payoff. Their efficiency is rare and wonderful...Overall, a great lender."
    Elaine Q.
    Sunnyvale, CA
  • "We have now refinanced two properties with Fremont Bank. They are a pleasure to deal with. Just straight facts and information without stringing you along for months like some other banks do."
    Julie P.
    San Leandro

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1. This refinance loan is based on owner occupied single-family homes only. 60% Maximum loan-to-value (LTV). Mortgage insurance may be required on the loan if LTV higher than 80% and could increase the monthly payment and the APR. Loan amounts $125,000 - $417,000. Subject to credit qualifications and underwriting requirements. Adequate property insurance (which may include flood insurance) is required. Borrower responsible for insurance requirements and applicable state, county, city taxes which can be substantial. Rates and Terms effective 10/19/2012 and subject to change. Other restrictions may apply. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply.

2. No Closing Cost loans are subject to terms and conditions of Fremont Bank's Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded (credited) at closing. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

3. Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation. Other loan programs are also available. Refers to programs A120.