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: 10/13/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.704% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.713 Points$2,282 Points Fee
$2,781 Total Fees$499 Lender Fees
 30 Years Fixed
5.833% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.903 Points$2,890 Points Fee
$2,890 Total Fees$0 Lender Fees
 30 Years Fixed
5.839% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.963 Points$3,082 Points Fee
$7,707 Total Fees$4,625 Lender Fees
 30 Years Fixed
5.870% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,270 Total Fees$1,070 Lender Fees
 30 Years Fixed
5.949% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.802 Points$2,566 Points Fee
$2,566 Total Fees$0 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.878 Points$2,810 Points Fee
$2,810 Total Fees$0 Lender Fees
 30 Years Fixed
5.970% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.684 Points$2,189 Points Fee
$3,284 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.984% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.556 Points$1,779 Points Fee
$3,779 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.111% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.976 Points$3,123 Points Fee
$4,230 Total Fees$1,107 Lender Fees
 30 Years Fixed
6.114% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.728 Points$2,330 Points Fee
$4,325 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.118% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.897 Points$2,870 Points Fee
$4,198 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.698 Points$2,234 Points Fee
$2,234 Total Fees$0 Lender Fees
 30 Years Fixed
6.223% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.823 Points$2,634 Points Fee
$3,334 Total Fees$700 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
Numbers you can trust
5.936% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.666 Points$2,131 Points Fee
$2,131 Total Fees$0 Lender Fees
 30 Years Fixed
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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.
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