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: 07/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.110% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.570 Points$1,824 Points Fee
$3,819 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.500 Points$1,600 Points Fee
$5,253 Total Fees$3,653 Lender Fees
 30 Years Fixed
6.194% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.500 Points$1,600 Points Fee
$6,917 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.256% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.681 Points$2,179 Points Fee
$4,474 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.355% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.769 Points$2,461 Points Fee
$3,556 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.813 Points$2,602 Points Fee
$3,838 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.358% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.522 Points$1,670 Points Fee
$3,670 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.375% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.883 Points$2,826 Points Fee
$4,221 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.377% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.759 Points$2,429 Points Fee
$8,629 Total Fees$6,200 Lender Fees
 30 Years Fixed
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
As low as 0% down options & down payment assistance
6.319% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.728 Points$2,330 Points Fee
$2,330 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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