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: 11/15/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.842% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$3,200 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.963% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.951 Points$3,043 Points Fee
$3,043 Total Fees$0 Lender Fees
 30 Years Fixed
6.052% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.671 Points$2,147 Points Fee
$2,147 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
6.229% 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
6.343% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.986 Points$3,155 Points Fee
$3,155 Total Fees$0 Lender Fees
 30 Years Fixed
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Numbers you can trust
5.949% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.802 Points$2,566 Points Fee
$2,566 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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