About Evelyn Freitas
I have been a mortgage lender since 2004, entering the profession after 18 years in small business management and accounting. I immediately fell in love with the work of helping people achieve their financing and family goals through home ownership and realized that the skills I had developed in my previous career found a higher expression in the service of these goals. By utilizing a results-focused approach, I’m able to find resourceful and tailored solutions for my clients and help them pick the best option for themselves. My clients are confident and secure in their choices because of the education they receive throughout the entire loan process. As a result, nearly all my business is generated through referrals. I am a Bay Area native, the granddaughter of Spanish immigrants from the province of Granada. I grew up in a home designed and built by my grandparents, where my grandmother would say that she attributed our family’s success to the fact that we owned our own home. Having grown up as a farm worker, she reveled in the freedom and independence of owning a home that served as a place of safety and sanctuary as well as a home base for our family, where we could put down roots, entertain friends and family, and create the kind of lives we wanted. This sense of the importance of having a home of one’s own is one of the many things she passed down to me. I graduated from UC Berkeley with a B.A. in Humanities and have since continued my education independently. I am connected to my community, volunteering at local food banks and serving as a volunteer and committee member for STAND! For Families Free of Violence. I also take an active role in my business and professional community, where I am a member of the Oakland Berkeley Association of Realtors (OBAR), the California Association of Mortgage Professionals (CAMP), and Business Network International (BNI). My involvement with the business community allows me to connect my clients with excellent professionals in other areas when they are looking for services or help. I currently live in Pinole and love to spend time outdoors, hiking with my friends and my dogs on local trails and taking in the natural beauty of the Bay Area. I’m looking forward to hearing from you and learning how I can help you best.
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Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.785% | 0.881 ($3083.50) | $2209.94 |
| 15-year fixed | 5.500% | 5.969% | 0.692 ($2422.00) | $2859.79 |
| FHA loan | 6.000% | 7.033% | 0.74 ($2258.85) | $1966.87 |
| VA loans | 5.990% | 6.501% | 0.74 ($3023.64) | $2447.14 |
| Jumbo loans | 6.125% | 6.364% | 0.732 ($6588.00) | $5468.49 |
* Rates current as of 4/6/2025 12:39 pm, provided by Evelyn Freitas, for Contra Costa 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.
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