Home Refinance Loan Rates in California

Looking for California Refinance Rates?  ERATE.com helps you compare today's home refinance mortgage rates in California.  Select from popular programs like the 30 Year Fixed, 15 Year Fixed, 5/1 ARM or other programs and we list the top offers from numerous lenders for you.  Rates are updated daily.

(Rates Last Updated: 01/20/2020)

Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
4.000% APR 4.000% Rate 30 day rate lock $1,194 Payment per month
0.000 Points
$0 Lender Fees
 30 Years Fixed
3.622% APR 3.560% Rate 30 day rate lock $1,132 Payment per month
0.392 Points
$2,072 Lender Fees
 30 Years Fixed
3.520% APR 3.500% Rate 30 day rate lock $1,123 Payment per month
0.245 Points
$612 Lender Fees
 30 Years Fixed
3.216% APR 3.125% Rate 45 day rate lock $1,071 Payment per month
0.155 Points
$2,888 Lender Fees
 30 Years Fixed
3.375% APR 3.375% Rate 30 day rate lock $1,772 Payment per month
0.000 Points
$0 Lender Fees
 15 Years Fixed
2.896% APR 2.875% Rate 30 day rate lock $1,712 Payment per month
0.146 Points
$365 Lender Fees
 15 Years Fixed
4.125% APR 4.125% Rate 30 day rate lock $1,212 Payment per month
0.000 Points
$0 Lender Fees
 5 Years ARM
3.402% APR 3.375% Rate 30 day rate lock $1,106 Payment per month
0.336 Points
$840 Lender Fees
 5 Years ARM
Updating Rates...
Updating Rates...

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. 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 going to rise.

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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