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: 01/23/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.494% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.751 Points$2,403 Points Fee
$4,003 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.541% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.547% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.987 Points$3,158 Points Fee
$5,926 Total Fees$2,768 Lender Fees
 30 Years Fixed
6.614% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$3,973 Total Fees$1,173 Lender Fees
 30 Years Fixed
6.623% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.950 Points$3,040 Points Fee
$4,090 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.721% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.988 Points$3,162 Points Fee
$3,162 Total Fees$0 Lender Fees
 30 Years Fixed
6.743% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.875 Points$2,800 Points Fee
$3,975 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.745% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.806 Points$2,579 Points Fee
$3,974 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.756% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
1.000 Points$3,200 Points Fee
$4,325 Total Fees$1,125 Lender Fees
 30 Years Fixed
6.774% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.930 Points$2,976 Points Fee
$4,921 Total Fees$1,945 Lender Fees
 30 Years Fixed
6.837% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.890 Points$2,848 Points Fee
$2,848 Total Fees$0 Lender Fees
 30 Years Fixed
6.847% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.685 Points$2,192 Points Fee
$3,187 Total Fees$995 Lender Fees
 30 Years Fixed
6.864% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.951 Points$3,043 Points Fee
$3,743 Total Fees$700 Lender Fees
 30 Years Fixed
6.883% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.944 Points$3,021 Points Fee
$4,384 Total Fees$1,363 Lender Fees
 30 Years Fixed
6.935% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.614 Points$1,965 Points Fee
$1,965 Total Fees$0 Lender Fees
 30 Years Fixed
7.350% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
Attention Wells Fargo customers: Special benefits and discounts available
$0 down payment for Veterans homebuying with a VA Loan
6.867% APR 6.750% Rate 45 day rate lock $2,076 Payment per month
0.959 Points$3,069 Points Fee
$3,953 Total Fees$884 Lender Fees
 30 Years Fixed
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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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