Home Mortgage Loan Ratesin California

Planning on purchasing a new home? If you are a veteran, active duty personnel, or a reservist, VA Loans allow you to buy a home without having to make a down payment and no monthly mortgage insurance premium to pay. 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: 06/22/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.968% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.641 Points$2,051 Points Fee
$7,651 Total Fees$5,600 Lender Fees
 30 Years FixedVA Loan
6.033% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.467 Points$1,494 Points Fee
$5,494 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
6.329% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.625 Points$2,000 Points Fee
$6,995 Total Fees$4,995 Lender Fees
 30 Years FixedVA Loan
6.331% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.953 Points$3,050 Points Fee
$7,050 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
6.608% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.981 Points$3,139 Points Fee
$7,839 Total Fees$4,700 Lender Fees
 30 Years FixedVA Loan
$0 down payment for Veterans homebuying with a VA Loan
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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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