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: 02/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.351% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.981 Points$3,139 Points Fee
$3,638 Total Fees$499 Lender Fees
 30 Years Fixed
5.599% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$3,525 Total Fees$1,125 Lender Fees
 30 Years Fixed
5.616% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.875 Points$2,800 Points Fee
$4,170 Total Fees$1,370 Lender Fees
 30 Years Fixed
5.624% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$4,395 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.713% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.963 Points$3,082 Points Fee
$3,082 Total Fees$0 Lender Fees
 30 Years Fixed
5.733% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.594 Points$1,901 Points Fee
$3,788 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.761% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.865 Points$2,768 Points Fee
$4,768 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.811% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.664 Points$2,125 Points Fee
$2,125 Total Fees$0 Lender Fees
 30 Years Fixed
5.839% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.624 Points$1,997 Points Fee
$3,092 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.933% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
5.970% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.703 Points$2,250 Points Fee
$3,357 Total Fees$1,107 Lender Fees
 30 Years Fixed
5.995% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.934 Points$2,989 Points Fee
$4,316 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.907 Points$2,902 Points Fee
$2,902 Total Fees$0 Lender Fees
 30 Years Fixed
6.100% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.563 Points$1,802 Points Fee
$3,802 Total Fees$2,000 Lender Fees
 30 Years Fixed
Numbers you can trust
Get home in 2026 with a 0% down VA Loan
5.804% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.584 Points$1,869 Points Fee
$1,869 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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