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: 03/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.326% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.461 Points$1,475 Points Fee
$2,570 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.330% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.845 Points$2,704 Points Fee
$2,704 Total Fees$0 Lender Fees
 30 Years Fixed
6.360% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.576 Points$1,843 Points Fee
$8,043 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.376% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.821 Points$2,627 Points Fee
$4,409 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.458% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.869 Points$2,781 Points Fee
$2,781 Total Fees$0 Lender Fees
 30 Years Fixed
6.470% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.719% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.972 Points$3,110 Points Fee
$3,110 Total Fees$0 Lender Fees
 30 Years Fixed
America's #1 Retail Lender (Scottsman Guide)
As low as 0% down options & down payment assistance
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
6.303% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.564 Points$1,805 Points Fee
$1,805 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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