Refinance Rates – California Mortgage Rates

Updated: Wednesday July 2nd 2025 10:47 AM 
Refinance Rates – 15 Year Fixed Conforming
Note Rate % Points % A.P.R. %
5.000% 1.068% 5.116%
5.125% 0.698% 5.184%
5.250% 0.353% 5.256%
5.375% 0.008% 5.311%
Refinance Rates – 20 Year Fixed Conforming
5.250% 2.250% 5.546%
5.375% 1.750% 5.598%
5.500% 1.197% 5.664%
5.625% 0.647% 5.724%
5.750% 0.238% 5.792%
Refinance Rates – 30 Year Fixed Conforming
5.750% 1.625% 5.826%
5.875% 1.000% 5.930%
6.000% 0.500% 5.999%
6.125% 0.125% 6.067%
6.250% -0.250% 6.158%
15 Year Fixed Conforming High-Balance Refinance Rates
5.250% 1.875% 5.606%
5.375% 1.420% 5.673%
5.500% 1.036% 5.743%
5.625% 0.681% 5.858%
5.875% 0.123% 5.904%
30 Year Fixed Conforming High-Balance Refinance Rates
5.875% 2.000% 6.083%
6.000% 1.500% 6.157%
6.125% 1.039% 6.241%
6.250% 0.685% 6.328%
6.375% 0.206% 6.409%
Refinance 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.
Refinance Rates – Posted Rate Assumptions: Qualified Representative FICO Score 780+, No cash out refinance with minimum 40% Equity, Single Family Residence Detached (1 unit), Owner Occupied, Full Income/Asset Documentation, Subject Property located in California. We based the mortgage interest rates displayed herein on a 30 Day Rate Lock duration. 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.

Home Refinance Loans without the Hassle!

Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you.