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: 07/31/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.493% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.901 Points$2,883 Points Fee
$3,978 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.580% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.935 Points$2,992 Points Fee
$2,992 Total Fees$0 Lender Fees
 30 Years Fixed
6.586% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.789 Points$2,525 Points Fee
$3,225 Total Fees$700 Lender Fees
 30 Years Fixed
6.632% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
PenFed membership is open to everyone, including you.
Updating Rates...
Updating Rates...
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.
Family moving in