About Lucia Solis
With more than two decades of industry experience, Lucia Solis can help every kind of client achieve their home-financing vision, from first-time homebuyers to seasoned investors purchasing their 20th investment property. Her versatile experience, in-depth knowledge and accessibility have produced a track record of happy, satisfied clients. She especially enjoys helping first-time and self-employed clients realize their homeownership goals, as well as our military veterans. Although she knows the value of low rates and costs, Lucia believes it is crucial to provide consistent guidance so that each client can make an informed, confident decision. Lucia has lived in Orange County for the past 20 years, and due to time spent living in Ecuador, is fluent in Spanish. When not working for her clients, she enjoys spending time with her three children and her friends.
**"*As a dedicated refinance mortgage specialist, I focus on understanding your unique financial situation to find the best mortgage solution for you. My goal is to help you secure a loan that not only meets your needs but also enhances your overall financial well-being."***
Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en inglés. Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
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Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Your monthly payment would be
$ 2,024.00
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.875% | 7.168% | 0.884 ($3094.00) | $2299.25 |
| 15-year fixed | 5.875% | 6.296% | 0.771 ($2698.50) | $2929.91 |
| FHA loan | 6.490% | 7.519% | 0.813 ($2481.69) | $2064.18 |
| VA loans | 6.500% | 7.037% | 0.777 ($3174.83) | $2582.63 |
| Jumbo loans | 6.700% | 6.951% | 0.933 ($8397.00) | $5807.50 |
* Rates current as of 5/19/2025 03:17 am, provided by Lucia Solis, for Orange County, CA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
Located at 28051 Greenfield Dr, Ste A Laguna Niguel CA, 92677