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: 08/14/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.093% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.131% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,614 Total Fees$2,214 Lender Fees
 30 Years Fixed
6.196% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.754 Points$2,413 Points Fee
$2,413 Total Fees$0 Lender Fees
 30 Years Fixed
6.330% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.842 Points$2,694 Points Fee
$2,694 Total Fees$0 Lender Fees
 30 Years Fixed
6.403% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.568 Points$1,818 Points Fee
$2,518 Total Fees$700 Lender Fees
 30 Years Fixed
6.473% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.707 Points$2,262 Points Fee
$3,369 Total Fees$1,107 Lender Fees
 30 Years Fixed
6.482% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.757 Points$2,422 Points Fee
$3,750 Total Fees$1,328 Lender Fees
 30 Years Fixed
Numbers you can trust
$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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