EXPLORE CA Mortgage Rates

Understanding Today’s California Mortgage Rate Trends

California is known for its unique real estate landscape — from coastal markets to inland communities, rates and loan options can vary based on property type, location, and borrower profile. We help you navigate: Current California mortgage interest rates The difference between fixed vs. adjustable-rate mortgages How local housing conditions impact rates Which loan programs offer the most savings What lenders look for when determining your rate With Home Simply, you get a simple breakdown of what’s happening in today’s market and how it affects your homebuying or refinancing plans.

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California Conventional Mortgage Loans

California FHA Home Loans

California VA Mortgage Loans

California Jumbo Mortgage Loans

California Mortgage Refinance Options

Why Mortgage Rates Change in California

Several factors influence the interest rate you receive: Your credit score Down payment amount Loan type and term Property location and type Current economic and housing trends Lender-specific pricing Our team breaks everything down so you understand how your unique profile impacts the rate you qualify for. Combined with a lower cost of living, favorable tax advantages, and steady population growth, SC home loan rates make South Carolina one of the most appealing places to purchase a home today. Get pre-approved to view today’s best South Carolina mortgage rates.

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Loan Products

Explore a range of loan types designed to fit your exact financial needs.

VA Loans

Zero down payment loans for veterans and their families.

FHA Loans

First-time homebuyer? Enjoy lower down payments.

Conventional Loans

Good credit? Great news. Get flexible terms and competitive rates.

Jumbo Loans

Enjoy high loan limits when looking to buy a luxury property.

Investor Loans

Grow your real estate portfolio with flexible terms and rates.

Home Equity Loans

Use your home's equity to access funds for your needs.

Frequently Asked Questions - California (FAQS)

• What affects today’s California mortgage rates?

  California mortgage rates are influenced by several factors including credit score, loan type, down payment amount, market conditions, and the lender you choose. Economic trends, inflation, and demand in California’s housing market can also impact how high or low rates are on any given day.

• Are California mortgage rates higher than other states?

  Because California has a higher cost of living and more jumbo-loan markets, mortgage rates can sometimes appear higher—especially in cities like Los Angeles, San Francisco, and San Jose. However, borrowers with strong credit and steady income can still secure competitive rates statewide.

• What is the best type of mortgage for California homebuyers?

  The best loan depends on your financial situation. Many first-time buyers in California choose FHA loans for easier qualification, while buyers in higher-priced areas often choose jumbo loans. Conventional loans tend to offer the best rates for borrowers with strong credit profiles.

• How can I get a lower mortgage rate in California?

  Improving your credit score, increasing your down payment, comparing multiple lenders, and choosing the right loan program are the best ways to secure a lower California mortgage rate. Getting pre-approved also gives you a clearer picture of what rate you qualify for.

• Is now a good time to refinance my California home?

  Refinancing may be a smart option if today’s California mortgage rates are lower than your current loan rate, or if you want to shorten your loan term, reduce your monthly payment, or access home equity. A refinance review can determine how much you could save.