California Mortgage Purchase Rates:

Last Updated:  Thursday February 13th 2025 – 1:18 PM (Rate Posting #2) Lock Period 30 Days
30 Year Fixed Conforming Purchase 
Note Rate % Points % A.P.R. %
5.999% 1.772% 6.223%
6.125% 1.263% 6.303%
6.250% 1.216% 6.413%
6.375% 0.500% 6.455%
30 Year Fixed Conforming High-Balance Purchase 
Note Rate % Points % A.P.R. %
6.250% 2.116% 6.492%
6.375% 1.439% 6.554%
6.500% 0.810% 6.621%
6.625% 0.400% 6.700%
Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $806,500. Conforming High Balance Loans – also known as Conforming Jumbo/Super Conforming, are based upon the permanent lift on loan limits which vary by county in High-Cost areas with loan amounts of $806,551 – $1,209,750.
Posted Rate Assumptions: Qualified Representative FICO Score 780+, purchase with a 25% Down Payment, Single Family Residence Detached (1 unit), Owner Occupied, Full Income/Asset Documentation, Property located in Orange County, CA. Please contact us at 949-646-1091 to discuss all other loan options and scenarios. Interest Rates displayed herein are based on a loan amount of $800,000 for Conforming Loans and $1,000,000 for Conforming High-Balance Loans. Rates/Points/Rebates and programs cannot be guaranteed on this website due to the fact that rates, fees, APR, and other costs are subject to individual borrower’s credit score, loan-to-value, loan purpose, loan amount, credit history/capacity/collateral and rapid fluctuations in market conditions. Rates are subject to change without notice.
FHA and VA: FHA and VA financing are available for both purchases and refinances. To determine eligibility and to discuss rate options, please contact us at 949-646-1091.