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: 12/19/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.710% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.780 Points$2,496 Points Fee
$2,995 Total Fees$499 Lender Fees
 30 Years Fixed
5.834% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.657 Points$2,102 Points Fee
$7,387 Total Fees$5,285 Lender Fees
 30 Years Fixed
5.857% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.580 Points$1,856 Points Fee
$3,743 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.871% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.976 Points$3,123 Points Fee
$4,218 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.894% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.949 Points$3,037 Points Fee
$5,037 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.924% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.530 Points$1,696 Points Fee
$1,696 Total Fees$0 Lender Fees
 30 Years Fixed
5.941% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$2,301 Total Fees$0 Lender Fees
 30 Years Fixed
5.955% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.862 Points$2,758 Points Fee
$2,758 Total Fees$0 Lender Fees
 30 Years Fixed
5.959% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.676 Points$2,163 Points Fee
$2,913 Total Fees$750 Lender Fees
 30 Years Fixed
6.058% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
6.113% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.851 Points$2,723 Points Fee
$4,051 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.209% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.681 Points$2,179 Points Fee
$2,879 Total Fees$700 Lender Fees
 30 Years Fixed
6.215% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.635 Points$2,032 Points Fee
$3,139 Total Fees$1,107 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
"Unlock Your Dream Home with Us!"
Get home in 2026 with a 0% down VA Loan
5.819% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.752 Points$2,406 Points Fee
$2,406 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in