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: 04/20/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.368% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$4,000 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.575% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.886 Points$2,835 Points Fee
$2,835 Total Fees$0 Lender Fees
 30 Years Fixed
6.728% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.843 Points$2,698 Points Fee
$3,398 Total Fees$700 Lender Fees
 30 Years Fixed
6.782% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.834% APR 6.740% Rate 30 day rate lock $2,074 Payment per month
0.972 Points$3,110 Points Fee
$3,110 Total Fees$0 Lender Fees
 30 Years Fixed
7.064% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.648 Points$2,074 Points Fee
$2,074 Total Fees$0 Lender Fees
 30 Years Fixed
7.602% APR 7.500% Rate 30 day rate lock $2,238 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
PenFed membership is open to everyone, including you.
$0 down payment for Veterans homebuying with a VA 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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