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: 08/11/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.223% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.260% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.824 Points$2,637 Points Fee
$4,632 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.367% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.960 Points$3,072 Points Fee
$8,555 Total Fees$5,483 Lender Fees
 30 Years Fixed
6.398% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.848 Points$2,714 Points Fee
$5,009 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.422% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$6,282 Total Fees$5,082 Lender Fees
 30 Years Fixed
6.436% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$6,517 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.441% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$6,481 Total Fees$5,281 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.400 Points$1,280 Points Fee
$2,505 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.458% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.500 Points$1,600 Points Fee
$2,795 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.485% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.819 Points$2,621 Points Fee
$3,716 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.843 Points$2,698 Points Fee
$3,993 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.968 Points$3,098 Points Fee
$4,334 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.810 Points$2,592 Points Fee
$4,223 Total Fees$1,631 Lender Fees
 30 Years Fixed
6.508% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.960 Points$3,072 Points Fee
$4,467 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.509% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.814 Points$2,605 Points Fee
$8,805 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.581% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.946 Points$3,027 Points Fee
$3,027 Total Fees$0 Lender Fees
 30 Years Fixed
6.616% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$4,121 Total Fees$1,321 Lender Fees
 30 Years Fixed
6.620% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.704 Points$2,253 Points Fee
$4,153 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.686% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.742% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.846 Points$2,707 Points Fee
$4,035 Total Fees$1,328 Lender Fees
 30 Years Fixed
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6.459% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.878 Points$2,810 Points Fee
$2,810 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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