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: 04/15/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.528% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$5,145 Total Fees$1,945 Lender Fees
 30 Years Fixed
6.686% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.636 Points$2,035 Points Fee
$2,035 Total Fees$0 Lender Fees
 30 Years Fixed
6.720% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.993 Points$3,178 Points Fee
$3,178 Total Fees$0 Lender Fees
 30 Years Fixed
6.735% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.914 Points$2,925 Points Fee
$3,625 Total Fees$700 Lender Fees
 30 Years Fixed
6.896% APR 6.750% Rate 45 day rate lock $2,076 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.969% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.588 Points$1,882 Points Fee
$3,209 Total Fees$1,327 Lender Fees
 30 Years Fixed
7.076% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.772 Points$2,470 Points Fee
$2,470 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
PenFed membership is open to everyone, including you.
$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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