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: 06/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.924% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$6,099 Total Fees$4,499 Lender Fees
 30 Years Fixed
5.951% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$7,482 Total Fees$5,082 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
5.997% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.697 Points$2,230 Points Fee
$4,225 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.042% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.556 Points$1,779 Points Fee
$1,779 Total Fees$0 Lender Fees
 30 Years Fixed
6.043% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.572 Points$1,830 Points Fee
$1,830 Total Fees$0 Lender Fees
 30 Years Fixed
6.083% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.999 Points$3,197 Points Fee
$3,197 Total Fees$0 Lender Fees
 30 Years Fixed
6.124% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.994 Points$3,181 Points Fee
$4,276 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.125% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$4,295 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.125% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.781 Points$2,499 Points Fee
$8,699 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.409% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
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6.180% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.588 Points$1,882 Points Fee
$1,882 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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