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: 03/14/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.857% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.668 Points$2,138 Points Fee
$3,738 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.931% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.607 Points$1,942 Points Fee
$1,942 Total Fees$0 Lender Fees
 30 Years Fixed
5.938% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$6,714 Total Fees$3,515 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.701 Points$2,243 Points Fee
$3,338 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.980% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.747 Points$2,390 Points Fee
$3,772 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.066% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.708 Points$2,266 Points Fee
$2,266 Total Fees$0 Lender Fees
 30 Years Fixed
6.079% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.956 Points$3,059 Points Fee
$3,059 Total Fees$0 Lender Fees
 30 Years Fixed
6.158% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.230% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.620 Points$1,984 Points Fee
$3,766 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.852 Points$2,726 Points Fee
$2,726 Total Fees$0 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
America's #1 Retail Lender (Scottsman Guide)
6.075% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.808 Points$2,586 Points Fee
$2,586 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in