30-Year Fixed Bi-weekly mortgage rates today with 0.000% point(s) in California are at 6.694%, Current California fixed rate mortgages for a 15-Year Fixed mortgage are at 5.875% with 0.000% point(s), 10-Year Fixed mortgage rates today with 0.000% point(s) in California are at 5.750%.
California Mortgage Rates:
Search and compare mortgage rates and refinance rates in California. Our rate table has a list of California mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments. Compare mortgage and refinance rates in California. Save money by using our free tool to find customized mortgage and refinance rates for California (CA). Use our mortgage calculator to check how much monthly payments will be on your home loan. When you start your search for current mortgage rates in California you need to first have an understanding of the types of mortgages available and their corresponding interest rates.
Adjustable rates on 5/1 ARM loans in California with 0.000% point(s) are at 5.750%, Mortgage rates on adjustable loans include 10/1 ARM with 0.000% point(s) in California at 5.875%, Mortgage rates on adjustable loans include 5/1 ARM with 0.000% point(s) in California at 5.625%.
Mortgage
APR
30-Year Fixed Conforming
5.73%
15-Year Fixed Conforming
5.53%
30-Year Fixed Jumbo
5.73%
15-Year Fixed Jumbo
5.53%
5/6 ARM Conforming
6.45%
5/6 ARM Jumbo
6.83%
Types of rates available in California include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in California listed below.
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.
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California Conforming Mortgage Rates
Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of California. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.
California mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell California mortgage loans that have been made. As a result, California mortgage rates today are lower than jumbo interest rates in $regionName. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.
California Super Conforming Home Loan Rates
Super conforming mortgages in California are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.
California Jumbo Loan Interest Rates
California jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in California are usually 0.75 basis points higher than conforming mortgage rates in California because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.
California Fixed Rate Mortgages
Fixed rate mortgages are the most common mortgage available in California. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.
California Adjustable Interest Rates
California adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.
California Interest Only Home Mortgage Rates
California interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.
California FHA Mortgage Mortgage Rates
Borrowers in California must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in California are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.
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