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: 04/05/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.810% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$2,099 Total Fees$499 Lender Fees
 30 Years Fixed
5.974% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.447 Points$1,430 Points Fee
$3,425 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.107% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.587 Points$1,878 Points Fee
$8,078 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.123% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.987 Points$3,158 Points Fee
$4,253 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.577% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.909 Points$2,909 Points Fee
$2,909 Total Fees$0 Lender Fees
 30 Years Fixed
Veterans: Use your VA benefit to buy with 0% down
As low as 0% down options & down payment assistance
Numbers you can trust
6.176% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.539 Points$1,725 Points Fee
$1,725 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