Today's mortgage rates in California
Live wholesale California pricing as of August 27, 2026 09:54 AM. HomePilot's 30-year fixed rate in California is 6.375%, APR 6.398%.
California mortgage rates
Live wholesale pricing across the most-quoted loan products in California. Each card shows the par rate, APR, and monthly P&I on the sample scenario. Your actual rate depends on FICO, LTV, occupancy, and county.
Rates current as of August 27, 2026 09:54 AM.
Loan options
California mortgage options
30-year fixed
Lower monthly payments and a stable interest rate for the life of the loan.
15-year fixed
Faster payoff and less interest paid overall, but higher monthly payment.
FHA loan
Qualify with a lower credit profile and more debt compared to other options.
Jumbo loan
Financing for high-value homes above the conforming loan limits.
VA loan
Veterans benefit — buy with $0 down, no mortgage insurance.
Refinance & cash-out
Lower your rate, drop your payment, or tap your home equity.
We'll beat your Loan Estimate.
Or we'll pay you $500.
Got a quote from another lender? Send us their Loan Estimate. We'll line-item it against today's wholesale pricing, show you which deal is actually cheaper, and if they win, we'll say so. If we can't beat an eligible offer and you close with them, we pay you $500. Eligible offers, terms apply.
Tools
Run the numbers on your California payment
Our mortgage calculator runs full PITI — principal & interest, property tax (at the California effective rate of 0.74%), insurance, MI, and HOA — plus a year-by-year amortization schedule and a built-in buydown toggle.
Open mortgage calculatorWorth comparing
Already have a Loan Estimate from a California lender?
Our LE Review tool checks your numbers against today's wholesale pricing line by line, and tells you exactly where (if anywhere) you're being overcharged.
First-time buyer assistance
Down payment assistance programs in California
These stack on top of our wholesale-channel rate — meaning you can use California's DPA programs AND our pricing in the same loan. We work with the lenders that fund all of them.
CalHFA MyHome Assistance Program
Deferred-payment junior loan up to 3-3.5% of purchase price for down payment + closing costs. Combines with CalHFA conventional, FHA, USDA, or VA first mortgage. Repayment deferred until sale, refinance, or payoff.
See if you qualifyCalifornia Dream For All
Shared-appreciation loan: state contributes up to 20% of home price as a 'silent second' that's repaid plus a share of appreciation when you sell or refinance. Income-limited; competitive but generous for first-time buyers.
See if you qualifyMortgage Credit Certificate (MCC)
Federal income tax credit equal to 15-20% of mortgage interest paid annually. Reduces federal tax liability dollar-for-dollar — meaningful for CA borrowers with state income tax stacking on top.
See if you qualifyFAQs
Frequently asked questions
Want a human answer instead? Your loan officer is one tap away.
Reviews
What California clients say
Mortgage rates in other states we serve
HomePilot is licensed in AZ, CA, CO, FL, TX. Until each state has its own live rates page, here's our state-specific lender content:
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Important legal disclosures: Rates shown are illustrative and based on a 30-day commitment, 740+ FICO, 80% LTV, owner-occupied single-family property, and the loan amounts noted on each card. Your actual rate depends on credit, property, occupancy, loan-to-value, loan amount, county, and market conditions. APR includes upfront fees; it is not a commitment to lend. HomePilot is licensed in AZ, CA, CO, FL, TX — NMLS #2752340.