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California Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage refinance rates in California

2.990% Rate

15 Yr. Fixed

3.135% APR

$1,380 / month (est)

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Updated 7/21/2014

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2.750% Rate

15 Yr. Fixed

3.039% APR

$1,357 / month (est)

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Updated 7/21/2014

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2.7% FIXED Mortgage Rate
  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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Mortgage rates from lenders in your area
Company Lending Area Comments
Quicken Loans Last update: 07/21/2014 Nationwide! Great Rates. Expert Advice. Fast Process. Call 800-695-4122 and lock-in a low 30yr fixed rate today!
Aimloan.com Last update: 07/21/2014 Nationwide Certified UpFront Lender! Rates & Good Faith Estimate Online 24/7
Amerimac Plaza West Financial Last update: 06/20/2014 California Through access to lenders nationwide, we save you money.
Mortgage rates from other popular lenders
Chase Last update: 05/02/2014 Rates : 3.500% APR : 3.627% Points : 0.875 Monthly Payment : N/A Closing Cost : N/A
Bank of America Last update: 05/05/2014 Rates : 4.000% APR : 4.469% Points : 0.062 Monthly Payment : $444 Closing Cost : $2864.20
CITI Last update: 05/06/2014 Rates : 3.625% APR : 3.337% Points : 0.000 Monthly Payment : N/A Closing Cost : N/A
PenFed Last update: 05/08/2014 Rates : 3.130% APR : 3.370% Points : 0.125 Monthly Payment : N/A Closing Cost : N/A

California Mortgages

From San Diego to Eureka, California home prices are famously high. That's why housing affordability can hinge on finding the lowest CA mortgage rates available from competing lenders.

HSH.com's data on current CA mortgage rates--available statewide and by metro area--can help you conduct preliminary research on home affordability and evaluate mortgage deals from various lenders.

California conventional mortgage

A conventional loan is traditionally defined as a fixed-rate mortgage with equal monthly payments, a 15-year or 30-year term, and a fixed interest rate established when the mortgage is created.

For California, 34 counties have a conventional loan limit at $417,000, 11 counties are at $625,500 and the remaining 13 counties range from $463,450 to $598,000.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
ALAMEDA $625,500 $800,775 $967,950 $1,202,925
ALPINE $463,450 $593,300 $717,150 $891,250
AMADOR $417,000 $533,850 $645,300 $801,950
BUTTE $417,000 $533,850 $645,300 $801,950
CALAVERAS $417,000 $533,850 $645,300 $801,950
COLUSA $417,000 $533,850 $645,300 $801,950
CONTRA COSTA $625,500 $800,775 $967,950 $1,202,925
DEL NORTE $417,000 $533,850 $645,300 $801,950
EL DORADO $474,950 $608,000 $734,950 $913,350
FRESNO $417,000 $533,850 $645,300 $801,950
GLENN $417,000 $533,850 $645,300 $801,950
HUMBOLDT $417,000 $533,850 $645,300 $801,950
IMPERIAL $417,000 $533,850 $645,300 $801,950
INYO $417,000 $533,850 $645,300 $801,950
KERN $417,000 $533,850 $645,300 $801,950
KINGS $417,000 $533,850 $645,300 $801,950
LAKE $417,000 $533,850 $645,300 $801,950
LASSEN $417,000 $533,850 $645,300 $801,950
LOS ANGELES $625,500 $800,775 $967,950 $1,202,925
MADERA $417,000 $533,850 $645,300 $801,950
MARIN $625,500 $800,775 $967,950 $1,202,925
MARIPOSA $417,000 $533,850 $645,300 $801,950
MENDOCINO $417,000 $533,850 $645,300 $801,950
MERCED $417,000 $533,850 $645,300 $801,950
MODOC $417,000 $533,850 $645,300 $801,950
MONO $529,000 $677,200 $818,600 $1,017,300
MONTEREY $483,000 $618,300 $747,400 $928,850
NAPA $592,250 $758,200 $916,450 $1,138,950
NEVADA $477,250 $610,950 $738,500 $917,800
ORANGE $625,500 $800,775 $967,950 $1,202,925
PLACER $474,950 $608,000 $734,950 $913,350
PLUMAS $417,000 $533,850 $645,300 $801,950
RIVERSIDE $417,000 $533,850 $645,300 $801,950
SACRAMENTO $474,950 $608,000 $734,950 $913,350
SAN BENITO $625,500 $800,775 $967,950 $1,202,925
SAN BERNARDINO $417,000 $533,850 $645,300 $801,950
SAN DIEGO $546,250 $699,300 $845,300 $1,050,500
SAN FRANCISCO $625,500 $800,775 $967,950 $1,202,925
SAN JOAQUIN $417,000 $533,850 $645,300 $801,950
SAN LUIS OBISPO $561,200 $718,450 $868,400 $1,079,250
SAN MATEO $625,500 $800,775 $967,950 $1,202,925
SANTA BARBARA $625,500 $800,775 $967,950 $1,202,925
SANTA CLARA $625,500 $800,775 $967,950 $1,202,925
SANTA CRUZ $625,500 $800,775 $967,950 $1,202,925
SHASTA $417,000 $533,850 $645,300 $801,950
SIERRA $417,000 $533,850 $645,300 $801,950
SISKIYOU $417,000 $533,850 $645,300 $801,950
SOLANO $417,000 $533,850 $645,300 $801,950
SONOMA $520,950 $666,900 $806,150 $1,001,850
STANISLAUS $417,000 $533,850 $645,300 $801,950
SUTTER $417,000 $533,850 $645,300 $801,950
TEHAMA $417,000 $533,850 $645,300 $801,950
TRINITY $417,000 $533,850 $645,300 $801,950
TULARE $417,000 $533,850 $645,300 $801,950
TUOLUMNE $417,000 $533,850 $645,300 $801,950
VENTURA $598,000 $765,550 $925,350 $1,150,000
YOLO $474,950 $608,000 $734,950 $913,350
YUBA $417,000 $533,850 $645,300 $801,950

Calculate your payments for California properties with our mortgage calculator.