• Great Service. Great Rates...Not Your Call Center Mortgage Company.

  • 760.720.1700

  • Our Rates | Janus Mortgage 

  • Rates Published as: Saturday, March 28, 2026
    Loan ProgramRatePointsAPR
    FHA 30 Year Fixed
    Loan: $400,000 | FICO: 680 | Occ: Primary | Value: $800,000 | Refinance    		5.375%1.1675.508%
    FHA 15 Year Fixed
    Loan: $400,000 | FICO: 680 | Occ: Primary | Value: $800,000 | Refinance    		5.625%1.1375.849%
    Conventional Conforming 30 Year Fixed
    Loan: $400,000 | FICO: 680 | Occ: Primary | Value: $800,000 | Refinance    		6.125%0.8626.235%
    Conventional Conforming 15 Year Fixed
    Loan: $400,000 | FICO: 680 | Occ: Primary | Value: $800,000 | Refinance    		5.375%1.0565.585%
    VA 30 Year Fixed
    Loan: $400,000 | FICO: 680 | Occ: Primary | Value: $800,000 | Refinance    		5.500%0.9795.617%
    VA 15 Year Fixed
    Loan: $400,000 | FICO: 680 | Occ: Primary | Value: $800,000 | Refinance    		5.750%0.8895.936%
    Conventional High Balance 30 Year Fixed
    Loan: $900,000 | FICO: 680 | Occ: Primary | Value: $1,800,000 | Refinance    		6.250%1.0226.36%
    Conventional High Balance 15 Year Fixed
    Loan: $900,000 | FICO: 680 | Occ: Primary | Value: $1,800,000 | Refinance    		5.875%0.9986.053%

  • Disclosures: Rates and APRs are for informational purposes only and are subject to change without notice. These indications are based on specific credit and property scenarios; your actual rate and costs will vary based on your unique profile. This is not a commitment to lend. Janus Mortgage NMLS # 1690954 | Equal Housing Opportunity.

  • Not Ready to Apply? Give Us the Basics and We Will Call to Go Over Your Custom Solution

    Send 

  • { “voice_config”: { “provider”: “Janus Mortgage”, “voice_persona”: “Professional, Warm, Direct”, “last_updated”: “2026-02-27”, “reference_url”: “https://janusmtg.com/daily-rates/” }, “ivr_menu”: { “intro”: { “verbiage”: “Thank you for calling Janus Mortgage. Today is Friday, February 27th. Our current rates are based on a 500,000 dollar purchase with 20 percent down and a 740 credit score.”, “options”: [ { “press”: 1, “label”: “30-Year Fixed”, “action”: “play_30yr” }, { “press”: 2, “label”: “Short-Term Fixed”, “action”: “play_short_term” }, { “press”: 3, “label”: “ARM and Jumbo”, “action”: “play_specialty” } ] }, “rate_data”: { “30_year_fixed”: { “rate”: “5.625%”, “apr”: “5.788%”, “monthly_pi”: 1381.58, “points”: 0.75, “verbiage”: “Our 30-year fixed rate is 5.625 percent with an A-P-R of 5.788. This includes 0.75 points. Your monthly principal and interest would be 1,381 dollars and 58 cents.” }, “20_year_fixed”: { “rate”: “5.