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: 07/02/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.128% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,400 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.307% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.275 Points$880 Points Fee
$1,930 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.319% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$2,419 Total Fees$1,219 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
6.487% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.962 Points$3,078 Points Fee
$3,778 Total Fees$700 Lender Fees
 30 Years Fixed
6.620% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.705% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.824 Points$2,637 Points Fee
$2,637 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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