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: 05/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.073% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$2,499 Total Fees$499 Lender Fees
 30 Years Fixed
6.120% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.675 Points$2,160 Points Fee
$4,155 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.216% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.975 Points$3,120 Points Fee
$3,120 Total Fees$0 Lender Fees
 30 Years Fixed
6.262% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.751 Points$2,403 Points Fee
$4,698 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.306% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.592 Points$1,894 Points Fee
$1,894 Total Fees$0 Lender Fees
 30 Years Fixed
6.325% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.448 Points$1,434 Points Fee
$2,529 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.330% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$2,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.334% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$2,845 Total Fees$1,645 Lender Fees
 30 Years Fixed
6.379% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.782 Points$2,502 Points Fee
$8,702 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.405% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.791 Points$2,531 Points Fee
$5,378 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.448% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.772 Points$2,470 Points Fee
$2,470 Total Fees$0 Lender Fees
 30 Years Fixed
6.489% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.733 Points$2,346 Points Fee
$3,840 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.547% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.716% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.942 Points$3,014 Points Fee
$3,014 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
America's #1 Retail Lender (Scottsman Guide)
Veterans: Use your VA benefit to buy with 0% down
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.997 Points$3,190 Points Fee
$3,190 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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