Conventional
30-Year Fixed
Interest rate
7.250%
APR
7.299%
Est. principal & interest
$4,365.93 / month
Rate change
1 Week 0.375%4 Weeks 0.875%
7 Days rate trend
Sep 17 - Sep 24 Trusted Mortgage Partner
Have questions? Call us for practical guidance. We move quickly, keep the process clear, and help you compare options that fit your goals.
Nhan Cao
Broker / Director
Current mortgage pricing
Today's Rates
Compare our featured fixed-rate options using the same loan assumptions.
Rates as of Sep 24, 2026, 1:00 PM PDT
Conventional
15-Year Fixed
Interest rate
6.625%
APR
6.759%
Est. principal & interest
$5,619.16 / month
Rate change
1 Week 0.250%4 Weeks 0.875%
7 Days rate trend
Sep 17 - Sep 24Based on $640,000.00 loan amount
View RatesRates and APR are estimates for illustration only and are subject to change without notice. Your actual rate, payment, and costs depend on your complete application and market conditions.
Mortgage Expert
Turning Complex Loans
Into SimpleSolutions
Nhan Cao is a premier Bay Area mortgage broker serving California, Texas, and Florida. With years of experience, he specializes in personalized financing solutions for complex scenarios, including non-QM loans that need more creative lending strategies.
Known for his efficiency and responsive service, Nhan personally guides clients from application to closing, helping the mortgage experience feel clear even with challenging timelines.
Complex Loan Solutions
Non-QM Specialist
Fast Closing Support
Specialty Lending
WE SPECIALIZE IN UNIQUE MORTGAGE SITUATIONS
When others say no, we find a way.
Through our extensive lender relationships and specialized expertise, we provide financing solutions for borrowers facing credit challenges, income verification issues, down payment constraints, and other non-traditional circumstances.
Our team excels at finding pathways to approval for clients with unique situations that conventional lenders typically decline.
Client Testimonials
What our clients say
Sacramento, CA
"I was introduced with First Stop Mortgage by my one of my friend who lives in San Jose. I was in need to refinance my house, so I did not hesitate and went to visit the office on the next day. Tri was the one who answered all of my questions throughoutly. His working attitude is so professional and so patient during the refinance process. He helped me to find the lowest rate during this pandemic time. I am very satisfied with how quickly and accuracy the process turned out. If you are having a hard time in deciding which company is good to refinance your house, then I would recomend to go visit the First Stop Mortgage."
Linh L.
10/27/2020
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First Stop Mortgage
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