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: 06/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.936% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$2,099 Total Fees$499 Lender Fees
 30 Years Fixed
6.091% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$7,717 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.106% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.531 Points$1,699 Points Fee
$3,694 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.119% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.900 Points$2,880 Points Fee
$4,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.262% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.886 Points$2,835 Points Fee
$9,035 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.338% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.933 Points$2,986 Points Fee
$2,986 Total Fees$0 Lender Fees
 30 Years Fixed
6.379% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.905 Points$2,896 Points Fee
$4,390 Total Fees$1,494 Lender Fees
 30 Years Fixed
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America's #1 Retail Lender (Scottsman Guide)
6.295% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.479 Points$1,533 Points Fee
$1,533 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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