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: 01/21/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.415% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,600 Total Fees$2,400 Lender Fees
 30 Years Fixed
6.482% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.626 Points$2,003 Points Fee
$3,603 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.637% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.999 Points$3,197 Points Fee
$4,592 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.712% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.905 Points$2,896 Points Fee
$2,896 Total Fees$0 Lender Fees
 30 Years Fixed
6.713% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.909 Points$2,909 Points Fee
$2,909 Total Fees$0 Lender Fees
 30 Years Fixed
6.731% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.750 Points$2,400 Points Fee
$3,525 Total Fees$1,125 Lender Fees
 30 Years Fixed
6.737% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.727 Points$2,326 Points Fee
$3,689 Total Fees$1,363 Lender Fees
 30 Years Fixed
6.738% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.947 Points$3,030 Points Fee
$3,730 Total Fees$700 Lender Fees
 30 Years Fixed
6.866% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.881 Points$2,819 Points Fee
$3,814 Total Fees$995 Lender Fees
 30 Years Fixed
7.338% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.875 Points$2,800 Points Fee
$2,800 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
"Unlock Your Dream Home with Us!"
6.744% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.981 Points$3,139 Points Fee
$4,023 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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