Home Mortgage Loan Ratesin California

Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. 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: 09/09/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.372% APR 4.990% Rate 30 day rate lock $1,716 Payment per month
0.979 Points$3,133 Points Fee
$12,558 Total Fees$9,425 Lender Fees
 30 Years FixedFHA Loan
6.505% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.703 Points$2,250 Points Fee
$7,850 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
6.531% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.660 Points$2,112 Points Fee
$8,931 Total Fees$6,819 Lender Fees
 30 Years FixedFHA Loan
6.554% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.953 Points$3,050 Points Fee
$9,757 Total Fees$6,707 Lender Fees
 30 Years FixedFHA Loan
6.572% APR 5.250% Rate 45 day rate lock $1,768 Payment per month
0.875 Points$2,800 Points Fee
$10,395 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.130% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.707 Points$2,262 Points Fee
$8,562 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
7.162% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.693 Points$2,218 Points Fee
$9,813 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
$0 down payment for Veterans homebuying with a VA Loan
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Every Mortgage Includes Free Home Price Protection
6.525% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.944 Points$3,021 Points Fee
$8,621 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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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