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: 07/17/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.329% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$6,995 Total Fees$4,195 Lender Fees
 30 Years Fixed
6.434% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
6.434% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
6.464% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,070 Total Fees$1,070 Lender Fees
 30 Years Fixed
6.584% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.871 Points$2,787 Points Fee
$2,787 Total Fees$0 Lender Fees
 30 Years Fixed
6.613% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.963 Points$3,082 Points Fee
$3,782 Total Fees$700 Lender Fees
 30 Years Fixed
6.634% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.907 Points$2,902 Points Fee
$4,897 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.639% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.962 Points$3,078 Points Fee
$4,966 Total Fees$1,888 Lender Fees
 30 Years Fixed
6.722% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.638 Points$2,042 Points Fee
$3,369 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.744% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.909 Points$2,909 Points Fee
$4,016 Total Fees$1,107 Lender Fees
 30 Years Fixed
6.770% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
Numbers you can trust
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$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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