John Zialcita NMLS #337891 · Loan Factory NMLS #320841
John ZialcitaMortgage Broker · NMLS #337891
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Mortgage Pricing Tool for California & Hawaii

Pricing for California and Hawaii mortgage scenarios. Prices change daily and are not a commitment to lend.

NMLS #337891 · CA DRE #01727126 · Loan Factory, Inc. NMLS #320841

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Call or text John for current pricing. Share your scenario and he will send pricing, usually the same day.

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Rates shown are provided by Loan Factory's pricing engine, change daily, and are not a commitment to lend. Not all applicants qualify. APR and terms depend on credit, property and loan details; you will receive a Loan Estimate. 2026 county loan limits show when a loan amount is jumbo. Read jumbo refinance and jumbo cash-out refinance.

Questions

Is a price on this page a commitment to lend?

No. Prices come from Loan Factory's pricing engine, change daily, and are not a commitment to lend. Not all applicants qualify.

When is a loan jumbo?

When the new loan amount is above the 2026 FHFA conforming limit for the county and the number of units. The county table lists those limits.