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: 07/05/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.077% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$7,482 Total Fees$5,082 Lender Fees
 30 Years Fixed
6.094% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.393 Points$1,258 Points Fee
$3,253 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.122% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$4,195 Total Fees$995 Lender Fees
 30 Years Fixed
6.186% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.659 Points$2,109 Points Fee
$2,109 Total Fees$0 Lender Fees
 30 Years Fixed
6.195% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.744 Points$2,381 Points Fee
$2,381 Total Fees$0 Lender Fees
 30 Years Fixed
6.256% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.823 Points$2,634 Points Fee
$8,834 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.262% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.264% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$4,770 Total Fees$1,570 Lender Fees
 30 Years Fixed
6.380% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.909 Points$2,909 Points Fee
$4,403 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.524% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.563 Points$1,802 Points Fee
$5,002 Total Fees$3,200 Lender Fees
 30 Years Fixed
Numbers you can trust
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As low as 0% down options & down payment assistance
6.215% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.963 Points$3,082 Points Fee
$3,082 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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