Current Home Purchase Mortgage Rates - 30 Years  California Lenders Under 7% for 30 Year Fixed Rate

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in California and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 06/09/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.121% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.690 Points$2,208 Points Fee
$4,203 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.217% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,717 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.266% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$9,405 Total Fees$7,005 Lender Fees
 30 Years Fixed
6.281% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.948 Points$3,034 Points Fee
$5,329 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.312% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.275 Points$880 Points Fee
$2,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$2,195 Total Fees$995 Lender Fees
 30 Years Fixed
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.471 Points$1,507 Points Fee
$2,602 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.360% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.537 Points$1,718 Points Fee
$3,718 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.363% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.611 Points$1,955 Points Fee
$8,155 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.383% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.975 Points$3,120 Points Fee
$4,515 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.464% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.931 Points$2,979 Points Fee
$2,979 Total Fees$0 Lender Fees
 30 Years Fixed
6.492% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.760 Points$2,432 Points Fee
$3,926 Total Fees$1,494 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
6.320% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.737 Points$2,358 Points Fee
$2,358 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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