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: 08/20/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.240% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$8,517 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.633 Points$2,026 Points Fee
$4,021 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.246% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$8,481 Total Fees$5,281 Lender Fees
 30 Years Fixed
6.276% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.275 Points$880 Points Fee
$1,012 Total Fees$132 Lender Fees
 30 Years Fixed
6.289% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$10,205 Total Fees$7,005 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$3,070 Total Fees$1,070 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$3,195 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.372% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.954 Points$3,053 Points Fee
$4,148 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.374% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.596 Points$1,907 Points Fee
$4,202 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.384% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.799 Points$2,557 Points Fee
$4,557 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.476% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.626 Points$2,003 Points Fee
$3,398 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.490% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.618 Points$1,978 Points Fee
$8,178 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.512% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.891 Points$2,851 Points Fee
$4,751 Total Fees$1,900 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
6.329% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.834 Points$2,669 Points Fee
$2,669 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in