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: 08/19/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.096% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.197% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.720 Points$2,304 Points Fee
$6,878 Total Fees$4,574 Lender Fees
 30 Years Fixed
6.240% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$8,517 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.633 Points$2,026 Points Fee
$4,021 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.246% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$8,481 Total Fees$5,281 Lender Fees
 30 Years Fixed
6.289% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$10,205 Total Fees$7,005 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$3,070 Total Fees$1,070 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$3,195 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.372% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.954 Points$3,053 Points Fee
$4,148 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.374% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.596 Points$1,907 Points Fee
$4,202 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.381% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.987 Points$3,158 Points Fee
$4,453 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.919 Points$2,941 Points Fee
$2,941 Total Fees$0 Lender Fees
 30 Years Fixed
6.469% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.510 Points$1,632 Points Fee
$3,263 Total Fees$1,631 Lender Fees
 30 Years Fixed
6.476% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.626 Points$2,003 Points Fee
$3,398 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.490% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.618 Points$1,978 Points Fee
$8,178 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.490% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$4,121 Total Fees$1,321 Lender Fees
 30 Years Fixed
6.662% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.717% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.581 Points$1,859 Points Fee
$3,187 Total Fees$1,328 Lender Fees
 30 Years Fixed
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6.335% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.896 Points$2,867 Points Fee
$2,867 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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