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: 04/16/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.458% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.492% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$3,925 Total Fees$1,125 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$4,214 Total Fees$2,214 Lender Fees
 30 Years Fixed
6.596% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$3,275 Total Fees$75 Lender Fees
 30 Years Fixed
6.707% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.631 Points$2,019 Points Fee
$2,719 Total Fees$700 Lender Fees
 30 Years Fixed
6.710% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.896 Points$2,867 Points Fee
$2,867 Total Fees$0 Lender Fees
 30 Years Fixed
6.750% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.747 Points$2,390 Points Fee
$4,343 Total Fees$1,953 Lender Fees
 30 Years Fixed
6.753% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.957 Points$3,062 Points Fee
$4,390 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.782% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.058% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.590 Points$1,888 Points Fee
$1,888 Total Fees$0 Lender Fees
 30 Years Fixed
7.602% APR 7.500% Rate 30 day rate lock $2,238 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
$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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