California Mortgage Purchase Rates:

Last Updated:  Thursday April 24th 2025 – 8:47 AM (Rate Posting #1) Lock Period 30 Days
30 Year Fixed Conforming Purchase Rates
Note Rate % Points % A.P.R. %
5.875% 1.500% 6.045%
6.000% 1.000% 6.124%
6.125% 0.500% 6.204%
6.375% -0.125% 6.396%
30 Year Fixed Conforming High-Balance Purchase Rates
Note Rate % Points % A.P.R. %
5.999% 2.378% 6.245%
6.125% 1.904% 6.328%
6.375% 0.875% 6.485%
6.500% 0.375% 6.563%
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 $806,501 – $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.