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: 07/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.188% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$6,499 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.344% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$7,717 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.345% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$7,525 Total Fees$5,125 Lender Fees
 30 Years Fixed
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.349% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$7,681 Total Fees$5,281 Lender Fees
 30 Years Fixed
6.350% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$3,395 Total Fees$995 Lender Fees
 30 Years Fixed
6.351% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$7,730 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$3,595 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.365% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.590 Points$1,888 Points Fee
$3,883 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.366% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.513 Points$1,642 Points Fee
$3,937 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.385% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.806 Points$2,579 Points Fee
$4,579 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.486% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.686 Points$2,195 Points Fee
$3,827 Total Fees$1,632 Lender Fees
 30 Years Fixed
6.486% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.858 Points$2,746 Points Fee
$3,982 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.492% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.900 Points$2,880 Points Fee
$3,975 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.503% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$4,295 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.573% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.611 Points$1,955 Points Fee
$2,750 Total Fees$795 Lender Fees
 30 Years Fixed
6.579% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.933 Points$2,986 Points Fee
$2,986 Total Fees$0 Lender Fees
 30 Years Fixed
6.587% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.580 Points$1,856 Points Fee
$3,251 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.592% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.625 Points$2,000 Points Fee
$3,321 Total Fees$1,321 Lender Fees
 30 Years Fixed
6.650% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.563 Points$1,802 Points Fee
$5,002 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.739% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.810 Points$2,592 Points Fee
$3,920 Total Fees$1,328 Lender Fees
 30 Years Fixed
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6.444% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.728 Points$2,330 Points Fee
$2,330 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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