About Mike Dye
Helping people’s dreams of home ownership come true is my primary motivation. For most people, purchasing a home is the single largest financial decision of their life. I enjoy being a part of something that affects people’s lives so positively and profoundly. I want my clients to be comfortable with their particular loan product, so I attempt to lay out all of their options. By being honest, open, and transparent throughout the loan process, I’m able to make them feel comfortable every step of the way. When called upon to achieve the impossible and save deals that other lenders could not close, I have consistently come through. That’s why my clients send referral business my way: because they’ve had a superior customer service experience. I strive to continuously build new relationships while staying connected to my prior clients and referral partners, who I have worked with throughout my career. Quite simply, my goal is to continue to offer the best customer service with the lowest rates and lowest costs possible to my clients. I’m here to help you with Life’s Biggest PurchaseSM!
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.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.550% | 6.922% | 0.997 ($3489.50) | $2223.76 |
| 15-year fixed | 5.500% | 6.063% | 0.95 ($3325.00) | $2859.79 |
| FHA loan | 6.050% | 7.146% | 0.995 ($3037.24) | $1976.69 |
| VA loans | 5.990% | 6.589% | 0.939 ($3836.76) | $2447.14 |
| Jumbo loans | 6.250% | 6.549% | 0.984 ($8856.00) | $5541.45 |
* Rates current as of 4/2/2025 06:50 pm, provided by Mike Dye, 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.
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Located at 27261 Las Ramblas, Suite 270 Mission Viejo CA, 92691