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: 08/12/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.732% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.980 Points$3,136 Points Fee
$8,231 Total Fees$5,095 Lender Fees
 30 Years FixedVA Loan
5.744% APR 5.500% Rate 35 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$8,690 Total Fees$5,490 Lender Fees
 30 Years FixedVA Loan
5.774% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.391 Points$1,251 Points Fee
$5,251 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.798% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.655 Points$2,096 Points Fee
$6,096 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.814% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.830 Points$2,656 Points Fee
$6,656 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.818% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.874 Points$2,797 Points Fee
$6,797 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.870% APR 5.624% Rate 30 day rate lock $1,842 Payment per month
0.841 Points$2,691 Points Fee
$8,691 Total Fees$6,000 Lender Fees
 30 Years FixedVA Loan
5.946% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.566 Points$1,811 Points Fee
$6,918 Total Fees$5,107 Lender Fees
 30 Years FixedVA Loan
5.973% APR 5.750% Rate 45 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$7,795 Total Fees$4,995 Lender Fees
 30 Years FixedVA Loan
6.067% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.835 Points$2,672 Points Fee
$6,672 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
6.463% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.788 Points$2,522 Points Fee
$7,222 Total Fees$4,700 Lender Fees
 30 Years FixedVA Loan
6.500% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.802 Points$2,566 Points Fee
$8,561 Total Fees$5,995 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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