Mortgage Rates: National Average 30 Year Rates at 4.83%, Average 30 Year California Rates at 4.97%

30 year conforming mortgage rates have been hovering around 5.00% since early 2011. The current national average rate for conforming 30 year mortgages is at 4.83% as reported by MonitorBankRates.com. Today's 30 year conforming rates in California are higher than the national average at 4.97%, also reported by MonitorBankRates.com.

There are lenders who offer rates lower than the national average. You can find 30 year conforming rates as low as 4.375% if you're willing to pay points. On our rate list in California JB Mortgage Capital, Inc. has 30 year conforming refinance rates at 4.375% with 1.50 points. If you'd rather not pay any points on a loan, Greenlight Financial Services has 30 year refi rates at 4.875% with no points.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 95816, 2, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from HomePlus Mortgage
HomePlus Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111128.gif
300000
Purchase
3.651%
3.500%
USD
HomePlus Mortgage Logo
NMLS # 78669
01/21/2020
at 1.875 pts
30 day lock rate
Est payment: $1,348
Fees in APR: $5,643
Personal service - one point of contact from start to finish – available nights and weekends
 
PERIOD_FIXED_30YEARS Mortgage Loan from HomePlus Mortgage
HomePlus Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111128.gif
300000
Purchase
3.651%
3.500%
USD
HomePlus Mortgage Logo
NMLS # 78669
01/21/2020
at 1.875 pts
30 day lock rate
Est payment: $1,348
Fees in APR: $5,643
Personal service - one point of contact from start to finish – available nights and weekends
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
4.189%
3.990%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
01/21/2020
at 2.000 pts
45 day lock rate
Est payment: $1,431
Fees in APR: $7,250
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC
Figure Lending LLC
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112447.gif
300000
Purchase
3.216%
3.125%
USD
Figure Lending LLC Logo
NMLS # 1717824
01/21/2020
at 0.125 pts
45 day lock rate
Est payment: $1,286
Fees in APR: $3,465
Put your money where you need it sooner.
 

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.






Lender interest rates fluctuate constantly, so if you find a rate you really like you should "lock the rate in." Most lenders offer interest rate locks for 30 to 45 days but you can find some lenders offering longer locks.

Shorter term rates are lower right now. Today's national average 15 year mortgage rate is at 4.18%. Average 15 year rates in California are higher at 4.22%. If you're looking for a 15 year home loan, right now on our rate table in California JB Mortgage Capital has 15 year refi rates at 4.00% with no points and Aimloan has 15 year rates slightly higher at 4.07% with no points.

MonitorBankRates.com has mortgage rate and refinance rate lists for all states. We make your search for the best rates easy. Our rate lists are also sortable so you can quickly list the lowest rate, lowest APY, lowest number of points or by selecting other criteria.  Find your best rates by searching rate tables.
 
 
Author: Brian McKay
April 17th, 2011
Posted in: Mortgage Rates