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California Mortgage Rates

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Product Average Rate Change
30 Year Fixed
2.997% +0.002
20 Year Fixed
3.271% -0.079
15 Year Fixed
2.854% +0.010
Last updated: Mar 5, 2021
2.886% APR 30 Year Fixed VA
$988 / month
Rate: 2.500%
Fees: $12,878
Lock: 45 days
Points: 1.851
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SPONSORED
2.934% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $5,995
Lock: 30 days
Points: 2.000
View Details
SPONSORED
3.047% APR 30 Year Fixed
$1,034 / month
Rate: 2.850%
Fees: $6,396
Lock: 30 days
Points: 1.907
View Details
SPONSORED
3.092% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $7,550
Lock: 30 days
Points: 2.000
View Details
3.054% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $5,802
Lock: 45 days
Points: 1.921
View Details
3.139% APR 30 Year Fixed
$1,053 / month
Rate: 2.990%
Fees: $4,800
Lock: 45 days
Points: 1.720
View Details
3.447% APR 30 Year Fixed
$1,089 / month
Rate: 3.250%
Fees: $6,250
Lock: 45 days
Points: 2.000
View Details
2.654% APR 30 Year Fixed VA
$956 / month
Rate: 2.250%
Fees: $13,705
Lock: 30 days
Points: 1.182
View Details
3.318% APR 30 Year Fixed VA
$1,038 / month
Rate: 2.875%
Fees: $14,500
Lock: 45 days
Points: 2.000
View Details
3.990% APR 30 Year Fixed FHA
$988 / month
Rate: 2.500%
Fees: $9,538
Lock: 45 days
Points: 1.665
View Details
2.996% APR 30 Year Fixed VA
$1,021 / month
Rate: 2.750%
Fees: $8,042
Lock: 30 days
Points: -0.083
View Details
3.318% APR 30 Year Fixed VA
$1,038 / month
Rate: 2.875%
Fees: $14,500
Lock: 45 days
Points: 2.000
View Details
2.653% APR 30 Year Fixed VA
$956 / month
Rate: 2.250%
Fees: $13,662
Lock: 30 days
Points: 1.513
View Details
3.039% APR 30 Year Fixed VA
$1,005 / month
Rate: 2.625%
Fees: $13,738
Lock: 45 days
Points: 1.795
View Details
4.373% APR 30 Year Fixed FHA
$1,038 / month
Rate: 2.875%
Fees: $10,625
Lock: 45 days
Points: 2.000
View Details
4.255% APR 30 Year Fixed FHA
$1,021 / month
Rate: 2.750%
Fees: $10,625
Lock: 45 days
Points: 2.000
View Details
2.771% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,802
Lock: 45 days
Points: 1.921
View Details
2.934% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $5,995
Lock: 30 days
Points: 2.000
View Details
3.763% APR 30 Year Fixed FHA
$956 / month
Rate: 2.250%
Fees: $9,786
Lock: 30 days
Points: 1.513
View Details
3.047% APR 30 Year Fixed
$1,034 / month
Rate: 2.850%
Fees: $6,396
Lock: 30 days
Points: 1.907
View Details
2.746% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $3,978
Lock: 45 days
Points: 1.591
View Details
3.573% APR 30 Year Fixed
$1,106 / month
Rate: 3.375%
Fees: $6,250
Lock: 45 days
Points: 2.000
View Details
3.739% APR 30 Year Fixed FHA
$956 / month
Rate: 2.250%
Fees: $8,880
Lock: 30 days
Points: 0.802
View Details
2.930% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $5,882
Lock: 30 days
Points: 1.353
View Details
2.535% APR 30 Year Fixed VA
$956 / month
Rate: 2.250%
Fees: $9,612
Lock: 30 days
Points: 0.545
View Details
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California Mortgage Overview

California is the Golden State — home to many of the country's largest cities, it has a diverse population and plenty of sunshine to go around.

The median home price in California is $505,000, so it's not the least expensive place to live, but if it's within your budget, there are beautiful homes to purchase for families of all sizes.

If you're looking to borrow money for a California home, here are your options.

California conventional loans

Borrowers with great credit get the best terms with a conventional loan. You don't need perfect credit - usually around a 660, but your debts must be under control too. Show lenders, you're a good borrower and you'll snag the low rates available today.

California FHA loans

If you have less-than-perfect credit or your credit card debt is higher than conventional lenders like the FHA loan is a good option. With more flexible guidelines, you only need a 580 credit score and a 3.5 percent down payment. Some borrowers get a loan with as little as a 500 credit score, but a 10 percent down payment.

California VA loans

If you served our country, the VA has your back. You can get a loan with 100 percent financing (no down payment). As long as you prove you have enough money to cover your debts and living expenses, have 'decent' credit, and any discharge other than dishonorable, you're well on your way to buying your first home with a VA loan.

California USDA loans

If sunshine and low populated areas sound great to you, check out the California USDA loan. Borrowers with at least a 640 credit score and income that's less than 115% of the area's median income may be eligible for this no down payment program with low rates and closing costs.

First-Time Homebuyer Programs in California

The California Housing Agency helps first-time homebuyers with any credit score or qualifying factors secure financing. As long as you meet the income requirements, you may be eligible for the following:

  • CalHFA FHA or CalPlus FHA Loan
  • CalHFA VA Loan
  • CalHFA USDA Loan
  • CalHFA Conventional Loan or CalPlus Conventional Loan

Each is a 30-year fixed rate loan and can be combined with the MyHome Assistance Program which provides funds toward your down payment or closing costs usually at 0% interest. The loans are deferred until you sell or refinance the home.

The MyHome Assistance Program has a $10,000 cap and/or up to 3.5 percent of the sales price depending on the loan.

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