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: 09/14/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.718% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$7,299 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.815% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.375 Points$1,200 Points Fee
$6,517 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.826% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.400 Points$1,280 Points Fee
$2,505 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.829% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.500 Points$1,600 Points Fee
$2,670 Total Fees$1,070 Lender Fees
 30 Years Fixed
6.874% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.555 Points$1,776 Points Fee
$4,071 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.968% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.508 Points$1,626 Points Fee
$3,021 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.974% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.369 Points$1,181 Points Fee
$7,381 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.994% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.875 Points$2,800 Points Fee
$4,121 Total Fees$1,321 Lender Fees
 30 Years Fixed
7.062% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.727 Points$2,326 Points Fee
$2,326 Total Fees$0 Lender Fees
 30 Years Fixed
7.094% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.486 Points$1,555 Points Fee
$3,049 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.122% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.865 Points$2,768 Points Fee
$4,096 Total Fees$1,328 Lender Fees
 30 Years Fixed
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6.843% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.955 Points$3,056 Points Fee
$3,056 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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