Mortgage and refinance rates for California
Shop the latest mortgage and refinance rates and get quotes tailored to you.
NerdWallet reviewed lenders:
Based on your ZIP code, credit score, loan amount, and other criteria.
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About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
California mortgage and refinance rates today (APR)
| Loan type | Average rate | Change 1 day | Change 1 year |
|---|---|---|---|
| 30-year fixed | 4.486% | 0.003% | 0.476% |
| 15-year fixed | 3.875% | 0.002% | 0.455% |
| 5/1 ARM | 3.982% | 0.046% | 0.102% |
Today's rate
Current rates in California are 4.486% for a 30-year fixed, 3.875% for a 15-year fixed, and 3.982% for a 5/1 adjustable-rate mortgage (ARM).
