Current Refinance Rates - 30 Years  California Lenders Under 4.75% 30 Year Fixed Rate

Looking for California's Lowest Refinance Rates?  ERATE.com helps you compare current refinance rates in California.  Select from popular programs like the 30 Year Fixed, 15 Year Fixed, 5/1 ARM or other programs. We list top offers from numerous lenders for you.  Rates are updated daily. Additionally you can have current refinance rates instantly via our Mortgage Rates iPhone App

(Last Updated: 05/23/2022)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.025% APR 5.990% Rate 30 day rate lock $1,498 Payment per month
-0.125 Points($312) Points Fee
$938 Total Fees$1,251 Lender Fees
 30 Years Fixed
6.411% APR 6.375% Rate 30 day rate lock $1,560 Payment per month
-0.125 Points($312) Points Fee
$938 Total Fees$1,251 Lender Fees
 30 Years Fixed
4.875% APR 4.875% Rate 45 day rate lock $1,324 Payment per month
-0.453 Points($1,132) Points Fee
($282) Total Fees$850 Lender Fees
 30 Years Fixed
6.125% APR 6.125% Rate 60 day rate lock $1,520 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
5.169% APR 5.125% Rate 30 day rate lock $1,362 Payment per month
0.075 Points$188 Points Fee
$1,282 Total Fees$1,094 Lender Fees
 30 Years Fixed
4.810% APR 4.810% Rate 30 day rate lock $1,314 Payment per month
-0.103 Points($257) Points Fee
($258) Total Fees$0 Lender Fees
 30 Years Fixed
5.057% APR 5.000% Rate 30 day rate lock $1,343 Payment per month
0.256 Points$640 Points Fee
$1,635 Total Fees$995 Lender Fees
 30 Years Fixed
4.536% APR 4.500% Rate 30 day rate lock $1,267 Payment per month
0.418 Points$1,045 Points Fee
$1,045 Total Fees$0 Lender Fees
 30 Years Fixed
5.033% APR 5.000% Rate 30 day rate lock $1,343 Payment per month
0.375 Points$938 Points Fee
$938 Total Fees$0 Lender Fees
 30 Years Fixed
4.935% APR 4.875% Rate 30 day rate lock $1,324 Payment per month
0.295 Points$738 Points Fee
$1,736 Total Fees$999 Lender Fees
 30 Years Fixed
5.025% APR 4.990% Rate 30 day rate lock $1,341 Payment per month
0.403 Points$1,008 Points Fee
$1,008 Total Fees$0 Lender Fees
 30 Years Fixed
6.059% APR 5.990% Rate 45 day rate lock $1,498 Payment per month
0.427 Points$1,067 Points Fee
$1,862 Total Fees$795 Lender Fees
 30 Years Fixed
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

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What Are Refinance Rates?

Refinance rates are the rates that lenders offer to refinance your existing mortgage. Borrowers normally choose either a rate and term refinance or a cash out refinance. In the rate and term refinance you take out a new loan to pay off the balance of your current mortgage and then pay off that new loan over time, usually 15 or 30 years. This is done when the rate on the new mortgage is lower than your existing mortgage so you can reduce the monthly payments in comparison to your existing mortgage. Instead of paying a down payment, as in a home purchase, you will use the equity in your home in order to meet the lenders loan to value (LTV) guidelines. In the cashout refinance you refinance to a new mortgage to obtain additional cash, normally for personal use. Usually a cashout refinance mortgage has higher points or a slightly higher rate.

Are You Looking for the Best Refinance Rates in California?

If you're looking for the best refinance rates in California then we're here to help.

You can use our site to compare the rates from a wide range of popular lenders for both purchases and refinancing. You can filter by loan type, duration of loan, credit score, and even by state to ensure that you really do find the best refinance rates in California. Additionally you can sort your mortgage lenders results by Annual Percentage Rate (APR) , mortgage rate, monthly mortgage payment, points, lender fees, and type of mortgage.

We provide original, unbiased, user-friendly tools and information for consumers to rely on when making important personal financial decisions relating to mortgages as well as a variety of loans connected to autos, credit cards, personal, home equity loans.

Find your perfect refinance loan today!

When Is the Best Time to Refinance to get a lower rate?

Refinance rates fluctuate, so the best time to refinance is when they reach their very lowest. Of course, it's impossible to know in advance when rates are at their lowest.

The good news is that at the moment refinance rates are still really low, so if you've got a mortgage that you've had for a while, you should definitely consider refinancing. It's possible that your current rate is higher than you could get currently.  You can easily view our refinance rates by using our iPhone Mortgage Rates App.

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