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: 05/21/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.131% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,499 Total Fees$2,099 Lender Fees
 30 Years Fixed
6.255% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.767 Points$2,454 Points Fee
$4,449 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.345% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$7,525 Total Fees$5,125 Lender Fees
 30 Years Fixed
6.354% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.362% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$3,795 Total Fees$995 Lender Fees
 30 Years Fixed
6.368% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$3,995 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.383% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.691 Points$2,211 Points Fee
$4,506 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.388% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.456% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.516 Points$1,651 Points Fee
$2,746 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.465% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.950 Points$3,040 Points Fee
$3,040 Total Fees$0 Lender Fees
 30 Years Fixed
6.476% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.661 Points$2,115 Points Fee
$3,410 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.478% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.482 Points$1,542 Points Fee
$7,742 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.478% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.607 Points$1,942 Points Fee
$3,574 Total Fees$1,632 Lender Fees
 30 Years Fixed
6.481% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.801 Points$2,563 Points Fee
$3,799 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.493% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$3,970 Total Fees$1,570 Lender Fees
 30 Years Fixed
6.498% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.854 Points$2,733 Points Fee
$4,128 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.518% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.666 Points$2,131 Points Fee
$4,978 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.613% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.710 Points$2,272 Points Fee
$3,766 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.662% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.737% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.791 Points$2,531 Points Fee
$3,859 Total Fees$1,328 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.848 Points$2,714 Points Fee
$2,714 Total Fees$0 Lender Fees
 30 Years Fixed
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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.
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