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Today’s California mortgage rates
Live pricing for your exact loan: rate, APR, points or credit, and real closing costs. Change any field and update. Looking for a home equity line? California HELOC rates start at 7.49% APR.
Live rates and closing costs
No credit pullReal lender pricing for your exact loan, updated today · no sign-up, no credit pull
For each program we show four ways to price the same loan: a buy-down rate with about one point paid at closing, then three lender credit options, small, middle and large, where a slightly higher rate pays toward your closing costs. Every option shows its exact closing costs. Open “Show all rate options” under any program for the full ladder.
30 Year Fixed FHA 14 options
Buy-down rate About 0.801 points paid at closing for a lower rate and payment
Rate6.599%
APR6.727%
Points / credit$5,126 cost (0.801 pts)
Closing costs$8,476
P&I payment$4,087/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Par rate No points and no credit
Rate7.125%
APR7.175%
Points / credit$282 credit
Closing costs$3,208
P&I payment$4,312/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate7.250%
APR7.300%
Points / credit$339 credit
Closing costs$3,184
P&I payment$4,366/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.375%
APR7.375%
Points / credit$4,909 credit
Closing costs$1,352 Back
P&I payment$4,420/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 14 rate options for 30 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate6.000%
APR6.321%
Points / credit$19,027 cost (2.973 pts)
Closing costs$22,217
P&I payment$3,837/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.099%
APR6.373%
Points / credit$15,610 cost (2.439 pts)
Closing costs$18,826
P&I payment$3,878/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.396%
Points / credit$15,373 cost (2.402 pts)
Closing costs$18,596
P&I payment$3,889/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.492%
Points / credit$13,203 cost (2.063 pts)
Closing costs$16,460
P&I payment$3,941/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.375%
APR6.603%
Points / credit$12,064 cost (1.885 pts)
Closing costs$15,354
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.670%
Points / credit$8,032 cost (1.255 pts)
Closing costs$11,355
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.599%
APR6.727%
Points / credit$5,126 cost (0.801 pts)
Closing costs$8,476
P&I payment$4,087/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.742%
Points / credit$4,397 cost (0.687 pts)
Closing costs$7,753
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.851%
Points / credit$3,264 cost (0.510 pts)
Closing costs$6,654
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.000%
APR7.099%
Points / credit$2,925 cost (0.457 pts)
Closing costs$6,381
P&I payment$4,258/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.099%
APR7.159%
Points / credit$365 cost (0.057 pts)
Closing costs$3,848
P&I payment$4,301/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.125%
APR7.175%
Points / credit$282 credit
Closing costs$3,208
P&I payment$4,312/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.250%
APR7.300%
Points / credit$339 credit
Closing costs$3,184
P&I payment$4,366/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.375%
APR7.375%
Points / credit$4,909 credit
Closing costs$1,352 Back
P&I payment$4,420/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
15 Year Fixed FHA 9 options
Buy-down rate About 1.01 points paid at closing for a lower rate and payment
Rate6.250%
APR6.488%
Points / credit$6,464 cost (1.010 pts)
Closing costs$9,721
P&I payment$5,488/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 9 rate options for 15 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate5.750%
APR6.224%
Points / credit$16,589 cost (2.592 pts)
Closing costs$19,712
P&I payment$5,315/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.875%
APR6.309%
Points / credit$14,810 cost (2.314 pts)
Closing costs$17,966
P&I payment$5,358/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR6.366%
Points / credit$11,917 cost (1.862 pts)
Closing costs$15,107
P&I payment$5,401/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.099%
APR6.413%
Points / credit$9,696 cost (1.515 pts)
Closing costs$12,912
P&I payment$5,435/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.426%
Points / credit$9,126 cost (1.426 pts)
Closing costs$12,350
P&I payment$5,444/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.488%
Points / credit$6,464 cost (1.010 pts)
Closing costs$9,721
P&I payment$5,488/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.723%
Points / credit$5,715 cost (0.893 pts)
Closing costs$9,039
P&I payment$5,575/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.599%
APR6.772%
Points / credit$3,642 cost (0.569 pts)
Closing costs$6,991
P&I payment$5,610/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.785%
Points / credit$3,110 cost (0.486 pts)
Closing costs$6,467
P&I payment$5,619/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Principal and interest only. Taxes, insurance, HOA dues and mortgage insurance are not included unless stated. Rates are examples based on the scenario above, subject to verification and market changes, and are not a commitment to lend.