Mortgage Calculator

California Mortgage Rates

Mortgage Rates  |  Mortgage Widgets

Mortgage Calculator / Mortgage Rates / California Mortgage Rates
Last updated: Oct 18, 2021
3.222% APR 30 Year Fixed
$1,071 / month
Rate: 3.125%
Fees: $3,085
Lock: 45 days
Points: 1.234
View Details
SPONSORED
3.070% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $6,336
Lock: 30 days
Points: 1.883
View Details
SPONSORED
3.029% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $5,001
Lock: 30 days
Points: 2.000
View Details
SPONSORED
2.810% APR 30 Year Fixed
$1,013 / month
Rate: 2.690%
Fees: $3,930
Lock: 30 days
Points: 1.572
View Details
2.870% APR 30 Year Fixed
$1,013 / month
Rate: 2.690%
Fees: $5,905
Lock: 30 days
Points: 1.964
View Details
2.778% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $5,196
Lock: 30 days
Points: 1.589
View Details
3.144% APR 30 Year Fixed
$1,053 / month
Rate: 2.990%
Fees: $4,968
Lock: 30 days
Points: 1.987
View Details
2.859% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $3,555
Lock: 45 days
Points: 1.422
View Details
3.070% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $6,336
Lock: 30 days
Points: 1.883
View Details
3.126% APR 30 Year Fixed
$1,053 / month
Rate: 2.990%
Fees: $4,375
Lock: 30 days
Points: 1.750
View Details
3.029% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $4,990
Lock: 45 days
Points: 1.996
View Details
2.746% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $3,962
Lock: 30 days
Points: 1.585
View Details
2.754% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,240
Lock: 30 days
Points: 1.696
View Details
3.177% APR 30 Year Fixed
$1,058 / month
Rate: 3.025%
Fees: $4,890
Lock: 60 days
Points: 1.956
View Details
2.711% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $2,812
Lock: 30 days
Points: 1.125
View Details
3.408% APR 30 Year Fixed
$1,089 / month
Rate: 3.250%
Fees: $5,000
Lock: 30 days
Points: 1.500
View Details
2.768% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,688
Lock: 30 days
Points: 1.495
View Details
3.222% APR 30 Year Fixed
$1,071 / month
Rate: 3.125%
Fees: $3,085
Lock: 45 days
Points: 1.234
View Details
2.911% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $5,255
Lock: 30 days
Points: 1.702
View Details
3.174% APR 30 Year Fixed
$1,055 / month
Rate: 3.000%
Fees: $5,588
Lock: 45 days
Points: 1.895
View Details
2.756% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,312
Lock: 30 days
Points: 1.725
View Details
3.544% APR 30 Year Fixed
$1,106 / month
Rate: 3.375%
Fees: $5,312
Lock: 30 days
Points: 1.625
View Details
2.892% APR 30 Year Fixed
$1,016 / month
Rate: 2.710%
Fees: $5,950
Lock: 30 days
Points: 1.982
View Details
2.867% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $3,805
Lock: 30 days
Points: 1.522
View Details
2.886% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $4,432
Lock: 30 days
Points: 1.773
View Details
2.768% APR 30 Year Fixed
$1,005 / month
Rate: 2.625%
Fees: $4,688
Lock: 30 days
Points: 1.875
View Details
2.905% APR 30 Year Fixed
$1,021 / month
Rate: 2.750%
Fees: $5,048
Lock: 45 days
Points: 1.819
View Details
3.029% APR 30 Year Fixed
$1,038 / month
Rate: 2.875%
Fees: $5,001
Lock: 30 days
Points: 2.000
View Details
  • Good/Excellent Credit; 15 & 30 year term, jumbo refi available -30 year only
  • Easily see your rate in a few minutes
  • Refinance with option to pull up to $500k cash out
  • 100% online app done from the comfort of your home
View Details
  • Certified Pre-Approval Process
  • Customized Rate Quotes, no SSN or Hard Credit Pull
  • 24 x 7 Online Customer Portal Access
View Details
  • Pay Off Higher Interest Rates Credit Cards, Pay College Tuition
  • Cash Out, Debt Consolidation Options Available
  • Offers Flexible Terms from 8 to 30 Years
  • Over 170k Positive Reviews, A+ Rating With BBB
View Details
  • Refinance your home
  • Competitively low rates at loanDepot - apply now
  • See if you could save on your loan with a lower interest rate
View Details

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.

Copyright © 2008-2021 MLCALC.COM. All rights reserved. Terms of Use  |  Privacy  |  Contact Us

Mortgage Rates
$250,000
Points, Loan Types and Products