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: 10/01/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
5.963% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.953 Points$3,050 Points Fee
$3,050 Total Fees$0 Lender Fees
 30 Years Fixed
5.977% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$3,525 Total Fees$1,125 Lender Fees
 30 Years Fixed
6.020% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.944 Points$3,021 Points Fee
$5,021 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.072% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.877 Points$2,806 Points Fee
$2,806 Total Fees$0 Lender Fees
 30 Years Fixed
6.093% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.116% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.860 Points$2,752 Points Fee
$4,502 Total Fees$1,750 Lender Fees
 30 Years Fixed
6.124% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.842 Points$2,694 Points Fee
$4,689 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.227% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.718 Points$2,298 Points Fee
$3,625 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.229% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.894 Points$2,861 Points Fee
$3,561 Total Fees$700 Lender Fees
 30 Years Fixed
6.229% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.779 Points$2,493 Points Fee
$3,600 Total Fees$1,107 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.940 Points$3,008 Points Fee
$3,008 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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