California Mortgage Purchase Rates:

Last Updated:  Monday May 12th 2025 – 10:27 AM (Rate Posting #1) Lock Period 30 Days
15 Year Fixed Conforming Purchase Rates
Note Rate % Points % A.P.R. %
5.125% 1.125% 5.349%
5.250% 0.875% 5.437%
5.375% 0.500% 5.506%
5.500% 0.219% 5.591%
30 Year Fixed Conforming Purchase Rates
Note Rate % Points % A.P.R. %
6.000% 1.125% 6.144%
6.125% 0.625% 6.224%
6.250% 0.500% 6.338%
6.375% 0.000% 6.416%
30 Year Fixed Conforming High-Balance Purchase Rates
6.125% 2.000% 6.344%
6.375% 1.375% 6.539%
6.500% 0.875% 6.617%
6.625% 0.375% 6.694%
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.