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: 04/04/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.333% APR 5.125% Rate 30 day rate lock $1,743 Payment per month
0.958 Points$3,066 Points Fee
$7,565 Total Fees$4,499 Lender Fees
 30 Years FixedVA Loan
5.616% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.961 Points$3,075 Points Fee
$13,275 Total Fees$10,200 Lender Fees
 30 Years FixedVA Loan
5.681% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.877 Points$2,806 Points Fee
$6,806 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.809% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.775 Points$2,480 Points Fee
$6,480 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.945% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.886 Points$2,835 Points Fee
$6,835 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
As low as 0% down options & down payment assistance
America's #1 Retail Lender (Scottsman Guide)
5.568% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.914 Points$2,925 Points Fee
$6,925 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
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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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