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: 09/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
7.101% APR 6.999% Rate 30 day rate lock $2,129 Payment per month
0.405 Points$1,296 Points Fee
$3,291 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.254% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.579 Points$1,853 Points Fee
$4,148 Total Fees$2,295 Lender Fees
 30 Years Fixed
7.278% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.277 Points$886 Points Fee
$886 Total Fees$0 Lender Fees
 30 Years Fixed
7.356% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.622 Points$1,990 Points Fee
$3,385 Total Fees$1,395 Lender Fees
 30 Years Fixed
7.371% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.536 Points$1,715 Points Fee
$7,915 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.380% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.827 Points$2,646 Points Fee
$4,140 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.447% APR 7.375% Rate 30 day rate lock $2,211 Payment per month
0.711 Points$2,275 Points Fee
$2,275 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Buy with a $0 down payment when you qualify for a VA Loan
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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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