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: 12/11/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.874% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.975 Points$3,120 Points Fee
$4,415 Total Fees$1,295 Lender Fees
 30 Years Fixed
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
5.959% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$2,970 Total Fees$1,370 Lender Fees
 30 Years Fixed
5.964% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.959 Points$3,069 Points Fee
$3,069 Total Fees$0 Lender Fees
 30 Years Fixed
5.984% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.835 Points$2,672 Points Fee
$3,767 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.079% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.622 Points$1,990 Points Fee
$2,740 Total Fees$750 Lender Fees
 30 Years Fixed
6.237% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.975 Points$3,120 Points Fee
$3,820 Total Fees$700 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
5.931% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.606 Points$1,939 Points Fee
$1,939 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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