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: 06/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.269% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$5,014 Total Fees$2,214 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$2,270 Total Fees$1,070 Lender Fees
 30 Years Fixed
6.323% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.775 Points$2,480 Points Fee
$2,480 Total Fees$0 Lender Fees
 30 Years Fixed
6.476% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.840 Points$2,688 Points Fee
$3,388 Total Fees$700 Lender Fees
 30 Years Fixed
6.502% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.969 Points$3,101 Points Fee
$4,428 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.529% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
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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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