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: 01/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.580% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.875 Points$2,800 Points Fee
$7,452 Total Fees$4,652 Lender Fees
 30 Years Fixed
5.809% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.640 Points$2,048 Points Fee
$2,048 Total Fees$0 Lender Fees
 30 Years Fixed
5.836% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$3,070 Total Fees$1,070 Lender Fees
 30 Years Fixed
6.094% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.642 Points$2,054 Points Fee
$3,382 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.121% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.782 Points$2,502 Points Fee
$4,502 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.351% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.740 Points$2,368 Points Fee
$3,475 Total Fees$1,107 Lender Fees
 30 Years Fixed
Numbers you can trust
"Unlock Your Dream Home with Us!"
Get home in 2026 with a 0% down VA Loan
5.813% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.689 Points$2,205 Points Fee
$2,205 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in