Mortgage Rates in San Diego, CaliforniaCurrent San Diego, California fixed rate mortgages for a 30-Year Fixed mortgage are at 6.375% with 0.000% point(s), Current San Diego, California fixed rate mortgages for a 20-Year Fixed mortgage are at 6.125% with 0.000% point(s), 15-Year Fixed mortgage rates today with 0.000% point(s) in San Diego, California are at 5.875%. San Diego, California Mortgage Rates:Search and compare mortgage rates and refinance rates in San Diego, CA. Our rate table has a list of San Diego, 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 San Diego, California. Save money by using our free tool to find customized mortgage and refinance rates for San Diego, 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 San Diego, California you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Mortgage rates on adjustable loans include 5/1 ARM with 0.000% point(s) in San Diego, California at 5.625%, San Diego, California 5/1 ARM mortgage rates are at 6.000% with 0.000% point(s), San Diego, California 7/1 ARM mortgage rates are at 5.750% with 0.000% point(s). Mortgage
APR
30-Year Fixed Conforming
5.73%
15-Year Fixed Conforming
5.40%
30-Year Fixed Jumbo
5.73%
15-Year Fixed Jumbo
5.40%
5/6 ARM Conforming
6.07%
5/6 ARM Jumbo
6.69%
Types of rates available in San Diego, CA 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 San Diego, CA listed below. Mortgage Rates in San Diego, CA December 10, 2025Show More
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. San Diego, California Lenders and Mortgage BrokersList your company here at no cost: Are you a lender or mortgage broker in San Diego, California? Are you interested in having your company, contact information, website and logo listed here? Contact us at to find out how. San Diego, California Real Estate AgentsList your contact information at no cost: Are you a real estate agent agent in San Diego, California? You can list your company, contact information, website an logo here. Contact us to find out how. San Diego, CA Conforming Mortgage RatesConforming 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. San Diego, CA 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 San Diego, CA mortgage loans that have been made. As a result, San Diego, CA 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. San Diego, CA Super Conforming Home Loan RatesSuper conforming mortgages in San Diego, CA 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. San Diego, CA Jumbo Loan Interest RatesSan Diego, CA 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 San Diego, CA are usually 0.75 basis points higher than conforming mortgage rates in San Diego, CA because there is no guarantee banks and credit unions can sell these mortgages after they make the loans. San Diego, CA Fixed Rate MortgagesFixed rate mortgages are the most common mortgage available in San Diego, CA. 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. San Diego, CA Adjustable Interest RatesSan Diego, CA 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. San Diego, CA Interest Only Home Mortgage RatesSan Diego, CA 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. San Diego, CA FHA Mortgage Mortgage RatesBorrowers in San Diego, CA must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in San Diego, CA 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. San Diego, CA Rates & ResourcesSan Diego, California Savings RatesSan Diego, California CD Rates San Diego, California Bank Branches San Diego, California Credit Union Branches San Diego, CA Mortgage ProductsSan Diego, California Conforming Mortgage RatesSan Diego, California Jumbo Mortgage Rates San Diego, California Conforming Adjustable Mortgage Rates San Diego, California Jumbo Adjustable Mortgage Rates Other Mortgage Rate Deals
Texas Dow Employees Credit Union Mortgage Rates
Mortgage Rates 9/18: 30 Year Home Mortgage Rates Averaging 4.40%
Refinance Rates: Current Refinancing Rates Weakening, 30 Year Rates at 4.12%
Mortgage Rates 7/14 - 7/15: Today's 30 Year Jumbo Mortgage Rates at 5.01%
Loan Flight Home Loans Mortgage Rates
30 Year Mortgages vs 15 Year Mortgages
LightPoint Mortgage Company Mortgage Rates
Refinance Rates: Today's Refinance Rates Decline, 15 Year Rates at 3.43%
Mortgage Rates: Today's Mortgage Rates Decrease, 30 Year Mortgage Rates at 4.18%
Mortgage Rates: 30 Year Mortgage Rates in California at 5.04%
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