California Mortgage Purchase Rates:

Last Updated:  Friday June 13th 2025 – 9:46 AM (Rate Posting #1) Lock Period 30 Days
Purchase Rates – 15 Year Fixed Conforming
Note Rate % Points % A.P.R. %
5.125% 1.250% 5.367%
5.250% 0.750% 5.417%
5.375% 0.375% 5.486%
5.500% 0.125% 5.573%
Purchase Rates – 30 Year Fixed Conforming
Note Rate % Points % A.P.R. %
5.875% 1.625% 6.055%
6.000% 1.000% 6.124%
6.125% 0.625% 6.214%
6.250% 0.250% 6.306%
30 Year Fixed Conforming High-Balance Purchase Rates
6.125% 1.625% 6.309%
6.250% 1.500% 6.416%
6.375% 1.000% 6.496%
6.500% 0.431% 6.576%
Purchase Rates 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.
Purchase Rates 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.

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful!