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: 01/23/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.836% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.935 Points$2,992 Points Fee
$2,992 Total Fees$0 Lender Fees
 30 Years Fixed
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.410 Points$1,312 Points Fee
$2,407 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.992% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.751 Points$2,403 Points Fee
$4,185 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.104% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.754 Points$2,413 Points Fee
$3,740 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.135% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.933 Points$2,986 Points Fee
$4,986 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.798 Points$2,554 Points Fee
$3,661 Total Fees$1,107 Lender Fees
 30 Years Fixed
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5.925% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.541 Points$1,731 Points Fee
$1,731 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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