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: 10/06/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
7.120% APR 6.999% Rate 30 day rate lock $2,129 Payment per month
0.598 Points$1,914 Points Fee
$3,909 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.215% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.584 Points$1,869 Points Fee
$7,186 Total Fees$5,317 Lender Fees
 30 Years Fixed
7.294% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.985 Points$3,152 Points Fee
$5,447 Total Fees$2,295 Lender Fees
 30 Years Fixed
7.385% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.913 Points$2,922 Points Fee
$4,317 Total Fees$1,395 Lender Fees
 30 Years Fixed
7.444% APR 7.375% Rate 30 day rate lock $2,211 Payment per month
0.678 Points$2,170 Points Fee
$2,170 Total Fees$0 Lender Fees
 30 Years Fixed
7.514% APR 7.375% Rate 30 day rate lock $2,211 Payment per month
0.912 Points$2,918 Points Fee
$4,412 Total Fees$1,494 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Buy with a $0 down payment when you qualify for a VA Loan
7.338% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.880 Points$2,816 Points Fee
$2,816 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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