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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

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Real lender pricing for your exact loan, updated today · no sign-up, no credit pull

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* Enter your ZIP or pick your county so we price with the right loan limits for your area. That decides whether your loan is conforming, high-balance or jumbo, which can change your rate. Your county also sets the property tax and insurance estimates on the full payment page.

Latest available pricing

As of November 10, 2026

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 VA 11 options

Buy-down rate About 0.932 points paid at closing for a lower rate and payment

Rate6.375%

APR6.513%

Points / credit$5,965 cost (0.932 pts)

Closing costs$9,255

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

Small credit Just above par; a modest lender credit toward closing costs

Rate6.599%

APR6.640%

Points / credit$627 credit

Closing costs$2,723

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

Middle credit A slightly higher rate; a larger credit toward closing costs

Rate6.625%

APR6.656%

Points / credit$1,325 credit

Closing costs$2,032

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

Large credit A higher rate; the credit can cover most of your closing costs

Rate6.750%

APR6.766%

Points / credit$2,355 credit

Closing costs$1,035

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

Show all 11 rate options for 30 Year Fixed VA, lowest rate firstShow just our 4 picks

Rate5.875%

APR6.181%

Points / credit$18,176 cost (2.840 pts)

Closing costs$21,333

P&I payment$3,786/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%

APR6.246%

Points / credit$13,792 cost (2.155 pts)

Closing costs$16,982

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%

APR6.299%

Points / credit$10,477 cost (1.637 pts)

Closing costs$13,693

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%

APR6.322%

Points / credit$10,266 cost (1.604 pts)

Closing costs$13,489

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%

APR6.419%

Points / credit$8,205 cost (1.282 pts)

Closing costs$11,461

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%

APR6.513%

Points / credit$5,965 cost (0.932 pts)

Closing costs$9,255

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%

APR6.582%

Points / credit$2,157 cost (0.337 pts)

Closing costs$5,480

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%

APR6.640%

Points / credit$627 credit

Closing costs$2,723

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%

APR6.656%

Points / credit$1,325 credit

Closing costs$2,032

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%

APR6.766%

Points / credit$2,355 credit

Closing costs$1,035

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

Rate6.875%

APR6.875%

Points / credit$3,610 credit

Closing costs$186 Back

P&I payment$4,204/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 VA 11 options

Buy-down rate About 0.885 points paid at closing for a lower rate and payment

Rate6.000%

APR6.215%

Points / credit$5,664 cost (0.885 pts)

Closing costs$8,854

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

Par rate No points and no credit

Rate6.250%

APR6.337%

Points / credit$269 cost (0.042 pts)

Closing costs$3,525

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

Small credit Just above par; a modest lender credit toward closing costs

Rate6.599%

APR6.650%

Points / credit$1,293 credit

Closing costs$2,057

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

Middle credit A slightly higher rate; a larger credit toward closing costs

Rate6.625%

APR6.663%

Points / credit$1,818 credit

Closing costs$1,539

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

Show all 11 rate options for 15 Year Fixed VA, lowest rate firstShow just our 4 picks

Rate5.375%

APR5.901%

Points / credit$19,117 cost (2.987 pts)

Closing costs$22,140

P&I payment$5,187/mo

Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Rate5.500%

APR5.951%

Points / credit$15,859 cost (2.478 pts)

Closing costs$18,916

P&I payment$5,229/mo

Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Rate5.625%

APR6.004%

Points / credit$12,704 cost (1.985 pts)

Closing costs$15,794

P&I payment$5,272/mo

Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Rate5.750%

APR6.060%

Points / credit$9,754 cost (1.524 pts)

Closing costs$12,877

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%

APR6.157%

Points / credit$8,518 cost (1.331 pts)

Closing costs$11,675

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%

APR6.215%

Points / credit$5,664 cost (0.885 pts)

Closing costs$8,854

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%

APR6.262%

Points / credit$3,482 cost (0.544 pts)

Closing costs$6,698

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%

APR6.275%

Points / credit$2,918 cost (0.456 pts)

Closing costs$6,142

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%

APR6.337%

Points / credit$269 cost (0.042 pts)

Closing costs$3,525

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

Rate6.599%

APR6.650%

Points / credit$1,293 credit

Closing costs$2,057

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%

APR6.663%

Points / credit$1,818 credit

Closing costs$1,539

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

5 Year ARM VA 8 options

Buy-down rate About 1.162 points paid at closing for a lower rate and payment

Rate6.000%

APR5.951%

Points / credit$7,437 cost (1.162 pts)

Closing costs$10,627

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

Small credit Just above par; a modest lender credit toward closing costs

Rate6.625%

APR6.064%

Points / credit$2,029 credit

Closing costs$1,328

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

Show all 8 rate options for 5 Year ARM VA, lowest rate firstShow just our 4 picks

Rate5.500%

APR5.888%

Points / credit$17,024 cost (2.660 pts)

Closing costs$20,081

P&I payment$3,634/mo

Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Rate5.625%

APR5.891%

Points / credit$13,696 cost (2.140 pts)

Closing costs$16,786

P&I payment$3,684/mo

Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Rate5.750%

APR5.893%

Points / credit$10,368 cost (1.620 pts)

Closing costs$13,491

P&I payment$3,735/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%

APR5.951%

Points / credit$7,437 cost (1.162 pts)

Closing costs$10,627

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

Rate6.125%

APR5.953%

Points / credit$4,096 cost (0.640 pts)

Closing costs$7,319

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%

APR5.961%

Points / credit$1,242 cost (0.194 pts)

Closing costs$4,498

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

Rate6.500%

APR6.054%

Points / credit$717 cost (0.112 pts)

Closing costs$4,040

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

Rate6.625%

APR6.064%

Points / credit$2,029 credit

Closing costs$1,328

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

3 Year ARM VA 3 options

Buy-down rate About 2.078 points paid at closing for a lower rate and payment

Rate5.750%

APR5.924%

Points / credit$13,299 cost (2.078 pts)

Closing costs$16,423

P&I payment$3,735/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 3 rate options for 3 Year ARM VA, lowest rate firstShow just our 4 picks

Rate5.500%

APR5.940%

Points / credit$19,027 cost (2.973 pts)

Closing costs$22,084

P&I payment$3,634/mo

Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Rate5.625%

APR5.932%

Points / credit$16,154 cost (2.524 pts)

Closing costs$19,244

P&I payment$3,684/mo

Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Rate5.750%

APR5.924%

Points / credit$13,299 cost (2.078 pts)

Closing costs$16,423

P&I payment$3,735/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.