Current Mortgage Rates in California
Get a personalized mortgage rate quote with transparent pricing from California's trusted independent lender. NMLS licensed with personalized rate quotes based on your unique situation.
Want county-level updates and daily California market breakdowns? Visit our California Mortgage Rates hub.
California Mortgage Loan Types
Mortgage rates change daily based on market conditions. Your actual rate depends on credit score, loan amount, down payment, and other factors. Contact us for a personalized rate quote.
Get Your Personalized Rate Quote
Interest rates vary based on credit score, loan amount, property type, and market conditions. For accurate, personalized rates, please contact us directly.
For illustration only; not an offer or commitment to lend. Rates and APR vary based on credit, loan type, and market conditions.
30-Year Fixed
Most popular choice for homebuyers - stable monthly payments for the life of the loan
- Predictable payments
- Lower monthly payment
- Most common loan type
15-Year Fixed
Pay off your home faster with typically lower interest rates
- Build equity faster
- Less total interest
- Higher monthly payment
VA Loan
No down payment option for qualified veterans and military members
- $0 down payment
- No PMI required
- Competitive rates
5/1 ARM
Fixed rate for 5 years, then adjusts annually based on market conditions
- Lower initial rate
- Good for short-term
- Rate caps apply
Jumbo Loan
For loan amounts exceeding conforming limits in your county
- Higher loan amounts
- Competitive rates
- Various terms available
FHA Loan
Government-backed loans with flexible qualification requirements
- 3.5% down payment
- Lower credit scores accepted
- First-time buyer friendly
Important Rate Information:
- • Rates vary based on credit score, loan-to-value ratio, loan amount, and other factors
- • APR includes interest rate plus other loan costs and fees
- • Points are optional fees paid upfront to reduce your interest rate
- • All rates subject to change without notice and may not be available at time of commitment
- • For personalized rates, contact Aditya Choksi at (949) 478-7641
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What Affects Your Mortgage Rate?
Understanding the factors that influence your rate helps you get the best possible terms.
Credit Score
Higher credit scores typically qualify for lower interest rates. 740+ gets best rates.
Down Payment
Larger down payments reduce lender risk and can lower your rate.
Loan Amount
Conforming loans typically have better rates than jumbo loans.
Loan Term
Shorter loan terms typically offer lower rates but higher monthly payments.
Ready to Lock in Your Rate?
Rates change daily. Get your personalized rate quote and discuss locking your rate with California's trusted independent mortgage lender.