Rate and APR, side by side
The APR includes estimated fees and points, so the two belong together. We never show one without the other.
California
mortgage rates
Compare representative California purchase rates, APR and points. See my options to explore a mortgage rate quote for your own scenario.
Term30-year fixed
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How to read the board
Check the pricing timestamp
Scheduled refreshes run at 7:30 a.m. Pacific, Monday–Friday. The latest saved rates remain visible between updates. Rates are estimates as of the timestamp shown and may change. This is not a rate lock.
Compare rates on the same terms
These are representative California purchase examples for 30-year fixed loans. Each program uses its own example borrower and loan amount, shown on the board. Your rate depends on your property, credit, down payment, loan purpose and program eligibility. A saved example is not a personalized offer, approval or rate lock.
Compare the rate, APR, points and payment together. Payments shown are principal and interest; taxes, insurance and any applicable mortgage insurance increase the total payment. Review the assumptions for each example before comparing programs.
How to get your mortgage rate estimate
Choose “See my options” to enter your property and loan details in the private rate experience. Have your property location, loan purpose, purchase price or estimated value, down payment or loan amount, and credit range ready. Your occupancy and income documentation also help identify the relevant options.
Use the resulting estimate to compare the rate, APR, points and monthly payment for your scenario. An estimate is not a formal Loan Estimate, an approval, a commitment to lend or a rate lock. Confirm the available terms and any lock with your loan officer before making a decision.
What changes your mortgage rate?
Your credit profile, loan amount, equity or down payment, property type, occupancy and loan purpose can affect pricing. The program, documentation, points and lock period matter too. For a DSCR loan, compare the rental-income assumptions and prepayment terms. Market conditions can change between the saved board’s timestamp and your own estimate.
When comparing quotes, keep the loan amount, term, purpose and lock period consistent. Compare upfront costs with monthly savings over the time you expect to keep the loan. A lower interest rate with more points is a different cost trade-off, and APR alone does not describe every expense or your full housing payment.
Conventional loans
Qualify with pay stubs, W-2s or tax returns. Credit, down payment and loan size affect pricing.
FHA loans
Government-insured financing for a primary home. Include upfront and monthly mortgage insurance when comparing costs.
Bank statement loans
Eligible self-employed borrowers can document income through bank statements. Deposit history and program requirements affect eligibility.
DSCR loans
Business-purpose financing evaluates an investment property's rental income. Compare the prepayment-penalty period as well as the rate.
Plan your payment and compare points
Use the mortgage payment calculator to include taxes and insurance, or the mortgage points calculator to compare upfront cost with monthly savings over the years you expect to keep the loan. Calculator results are educational estimates.
For broader market context, explore historical mortgage rate trends. Those market averages are separate from the representative Lendwise examples on this board.