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: 09/16/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.713% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.966 Points$3,091 Points Fee
$3,091 Total Fees$0 Lender Fees
 30 Years Fixed
5.877% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.758 Points$2,426 Points Fee
$4,426 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.753 Points$2,410 Points Fee
$2,410 Total Fees$0 Lender Fees
 30 Years Fixed
5.953% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.624 Points$1,997 Points Fee
$2,697 Total Fees$700 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
5.985% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.593 Points$1,898 Points Fee
$3,893 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.992% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.773 Points$2,474 Points Fee
$4,224 Total Fees$1,750 Lender Fees
 30 Years Fixed
6.000% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.990 Points$3,168 Points Fee
$4,496 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.025% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.089% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.735 Points$2,352 Points Fee
$3,459 Total Fees$1,107 Lender Fees
 30 Years Fixed
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
Every Mortgage Includes Free Home Price Protection
5.809% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.647 Points$2,070 Points Fee
$2,070 Total Fees$0 Lender Fees
 30 Years Fixed
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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.
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