Current Mortgage Rates in California
Get real-time mortgage rates with transparent pricing from California's trusted independent lender. NMLS licensed with personalized rate quotes based on your unique situation.
Today's Mortgage Rates
Current rates as of Monday, February 2, 2026. Rates subject to change without notice.
30-Year Fixed
Most popular choice for homebuyers
15-Year Fixed
Pay off your home faster with lower rates
VA Loan
No down payment for qualified veterans
5/1 ARM
Fixed for 5 years, then adjusts annually
Jumbo Loan
For loan amounts above $1,209,750
FHA Loan
Low down payment option (3.5% down)
Important Rate Information:
- • Rates shown are for qualified borrowers and may vary based on credit score, loan-to-value ratio, 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 +1-562-445-0273
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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 lock in today's rates with California's trusted independent mortgage lender.