For those of you not needing a 30yr fixed, SDCCU has a 7/1 ARM at 4.875 (0 pts and orig) and its the same for either 30 or 40 year amoritization. By far the best 7yr I’ve seen and they have low lender fees of $595 plus appraisal and the other typical 3rd party fees.

The 5/1 ARM is 4.75 but might as well choose the 7yr