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: 05/01/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.800% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.940 Points$3,008 Points Fee
$10,208 Total Fees$7,200 Lender Fees
 30 Years FixedFHA Loan
6.936% APR 5.625% Rate 45 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$10,395 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.247% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.989 Points$3,165 Points Fee
$8,765 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.618% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.718 Points$2,298 Points Fee
$8,598 Total Fees$6,300 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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