lution possible. A conforming home loan mortgage borrowed for 10 years at a fixed rate get a mortgage rate of approximately 5.33% in California. Same loan borrowed for 30 years at a fixed rate will get 5.72% interest. However, if the mortgage is adjustable then for
1/1 adjustable the borrower has to pay approximately 3.76% and for 10/1 adjustable the rate is 5.91%. In case of negative amortization option the adjustable interest rate is 1.16%. The HELOC is available at 7.11% in California. "