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Mortgage refinance rates in California

2.750% Rate

FHA 15 Yr.

3.279% APR

$1,357 / month (est)

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Updated 9/29/2014

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California Mortgages

California FHA mortgage

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For California, 47 counties have a FHA loan limit that ranges from $271,050 to $598,000. The remaining 11 counties are at $625,500. FHA and VA offer higher conforming loan limits in some counties.

As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
Alameda $625,500 $800,775 $967,950 $1,202,925 $840,000
Alpine $463,450 $593,300 $717,150 $891,250 $245,000
Amador $332,350 $425,450 $514,300 $639,150 $195,000
Butte $293,250 $375,400 $453,750 $563,950 $175,000
Calaveras $373,750 $478,450 $578,350 $718,750 $198,000
Colusa $271,050 $347,000 $419,425 $521,250 $140,000
Contra Costa $625,500 $800,775 $967,950 $1,202,925 $840,000
Del Norte $271,050 $347,000 $419,425 $521,250 $130,000
El Dorado $474,950 $608,000 $734,950 $913,350 $350,000
Fresno $281,750 $360,700 $436,000 $541,800 $189,000
Glenn $271,050 $347,000 $419,425 $521,250 $130,000
Humboldt $327,750 $419,550 $507,150 $630,300 $230,000
Imperial $271,050 $347,000 $419,425 $521,250 $131,000
Inyo $369,150 $472,550 $571,250 $709,900 $270,000
Kern $271,050 $347,000 $419,425 $521,250 $169,000
Kings $271,050 $347,000 $419,425 $521,250 $150,000
Lake $271,050 $347,000 $419,425 $521,250 $120,000
Lassen $271,050 $347,000 $419,425 $521,250 $125,000
Los Angeles $625,500 $800,775 $967,950 $1,202,925 $550,000
Madera $271,050 $347,000 $419,425 $521,250 $163,000
Marin $625,500 $800,775 $967,950 $1,202,925 $840,000
Mariposa $322,000 $412,200 $498,250 $619,250 $180,000
Mendocino $373,750 $478,450 $578,350 $718,750 $269,000
Merced $271,050 $347,000 $419,425 $521,250 $150,000
Modoc $271,050 $347,000 $419,425 $521,250 $75,000
Mono $529,000 $677,200 $818,600 $1,017,300 $283,000
Monterey $483,000 $618,300 $747,400 $928,850 $400,000
Napa $592,250 $758,200 $916,450 $1,138,950 $460,000
Nevada $477,250 $610,950 $738,500 $917,800 $325,000
Orange $625,500 $800,775 $967,950 $1,202,925 $550,000
Placer $474,950 $608,000 $734,950 $913,350 $350,000
Plumas $336,950 $431,350 $521,400 $648,000 $170,000
Riverside $355,350 $454,900 $549,850 $683,350 $252,000
Sacramento $474,950 $608,000 $734,950 $913,350 $350,000
San Benito $625,500 $800,775 $967,950 $1,202,925 $662,000
San Bernardino $355,350 $454,900 $549,850 $683,350 $252,000
San Diego $546,250 $699,300 $845,300 $1,050,500 $422,000
San Francisco $625,500 $800,775 $967,950 $1,202,925 $840,000
San Joaquin $304,750 $390,100 $471,550 $586,050 $210,000
San Luis Obispo $561,200 $718,450 $868,400 $1,079,250 $415,000
San Mateo $625,500 $800,775 $967,950 $1,202,925 $840,000
Santa Barbara $625,500 $800,775 $967,950 $1,202,925 $515,000
Santa Clara $625,500 $800,775 $967,950 $1,202,925 $662,000
Santa Cruz $625,500 $800,775 $967,950 $1,202,925 $545,000
Shasta $273,700 $350,350 $423,500 $526,350 $190,000
Sierra $304,750 $390,100 $471,550 $586,050 $128,000
Siskiyou $271,050 $347,000 $419,425 $521,250 $120,000
Solano $400,200 $512,300 $619,300 $769,600 $250,000
Sonoma $520,950 $666,900 $806,150 $1,001,850 $400,000
Stanislaus $276,000 $353,300 $427,100 $530,750 $180,000
Sutter $271,050 $347,000 $419,425 $521,250 $175,000
Tehama $271,050 $347,000 $419,425 $521,250 $125,000
Trinity $271,050 $347,000 $419,425 $521,250 $160,000
Tulare $271,050 $347,000 $419,425 $521,250 $154,000
Tuolumne $331,200 $424,000 $512,500 $636,900 $193,000
Ventura $598,000 $765,550 $925,350 $1,150,000 $445,000
Yolo $474,950 $608,000 $734,950 $913,350 $350,000
Yuba $271,050 $347,000 $419,425 $521,250 $175,000