California Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in California. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
6.95%
Avg APR
15yr Fixed
6.35%
Avg APR
Median Price
$800,000
Median home
Monthly P&I
$4,268
30yr at 80% LTV
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Top Mortgage Lenders in California
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in California
- ✓CalHFA MyHome Assistance
- ✓CalHFA Zero Interest Program (ZIP)
- ✓Dream For All
Mortgage Requirements in California
- •Min 660 credit score for CalHFA programs
- •Income limits apply for assistance programs
- •Purchase price limits vary by county
California Housing Market Facts
California has high-cost loan limits up to $1,149,825 in many counties.
Prop 19 limits property tax increases until home is sold.
Down payment assistance programs are highly competitive due to demand.
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