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: 07/02/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.970% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.089% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$7,882 Total Fees$5,082 Lender Fees
 30 Years Fixed
6.104% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.504 Points$1,613 Points Fee
$3,608 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.118% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,182 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.151% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$9,805 Total Fees$7,005 Lender Fees
 30 Years Fixed
6.253% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.786 Points$2,515 Points Fee
$8,715 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.254% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.748 Points$2,394 Points Fee
$4,394 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.260% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.725 Points$2,320 Points Fee
$4,615 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.361% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.743 Points$2,378 Points Fee
$3,773 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.387% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.983 Points$3,146 Points Fee
$4,640 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.886 Points$2,835 Points Fee
$4,163 Total Fees$1,328 Lender Fees
 30 Years Fixed
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Numbers you can trust
6.288% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.404 Points$1,293 Points Fee
$1,293 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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