Home Mortgage Loan Ratesin California

Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. 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: 04/25/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
7.002% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.856 Points$2,739 Points Fee
$8,339 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.058% APR 5.750% Rate 45 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$10,395 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.489% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.861 Points$2,755 Points Fee
$8,355 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.629% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.836 Points$2,675 Points Fee
$8,975 Total Fees$6,300 Lender Fees
 30 Years FixedFHA 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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