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California Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in California

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HARP 2.0 Refinance Loan 2.7% FIXED
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5.250% Rate

30 Yr. Fixed

5.335% APR

$860 / month (est)

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Updated 2/22/2019

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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 mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2019 Conventional loan limits for California

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Alameda$726,525$930,300$1,124,475$1,397,400
Alpine$484,350$620,200$749,650$931,600
Amador$484,350$620,200$749,650$931,600
Butte$484,350$620,200$749,650$931,600
Calaveras$484,350$620,200$749,650$931,600
Colusa$484,350$620,200$749,650$931,600
Contra Costa$726,525$930,300$1,124,475$1,397,400
Del Norte$484,350$620,200$749,650$931,600
El Dorado$552,000$706,650$854,200$1,061,550
Fresno$484,350$620,200$749,650$931,600
Glenn$484,350$620,200$749,650$931,600
Humboldt$484,350$620,200$749,650$931,600
Imperial$484,350$620,200$749,650$931,600
Inyo$484,350$620,200$749,650$931,600
Kern$484,350$620,200$749,650$931,600
Kings$484,350$620,200$749,650$931,600
Lake$484,350$620,200$749,650$931,600
Lassen$484,350$620,200$749,650$931,600
Los Angeles$726,525$930,300$1,124,475$1,397,400
Madera$484,350$620,200$749,650$931,600
Marin$726,525$930,300$1,124,475$1,397,400
Mariposa$484,350$620,200$749,650$931,600
Mendocino$484,350$620,200$749,650$931,600
Merced$484,350$620,200$749,650$931,600
Modoc$484,350$620,200$749,650$931,600
Mono$529,000$677,200$818,600$1,017,300
Monterey$652,050$834,750$1,009,000$1,253,950
Napa$726,525$930,300$1,124,475$1,397,400
Nevada$486,450$622,750$752,750$935,500
Orange$726,525$930,300$1,124,475$1,397,400
Placer$552,000$706,650$854,200$1,061,550
Plumas$484,350$620,200$749,650$931,600
Riverside$484,350$620,200$749,650$931,600
Sacramento$552,000$706,650$854,200$1,061,550
San Benito$726,525$930,300$1,124,475$1,397,400
San Bernardino$484,350$620,200$749,650$931,600
San Diego$690,000$883,300$1,067,750$1,326,950
San Francisco$726,525$930,300$1,124,475$1,397,400
San Joaquin$484,350$620,200$749,650$931,600
San Luis Obispo$667,000$853,900$1,032,150$1,282,700
San Mateo$726,525$930,300$1,124,475$1,397,400
Santa Barbara$625,500$800,775$967,950$1,202,925
Santa Clara$726,525$930,300$1,124,475$1,397,400
Santa Cruz$726,525$930,300$1,124,475$1,397,400
Shasta$484,350$620,200$749,650$931,600
Sierra$484,350$620,200$749,650$931,600
Siskiyou$484,350$620,200$749,650$931,600
Solano$494,500$633,050$765,200$950,950
Sonoma$704,950$902,450$1,090,850$1,355,700
Stanislaus$484,350$620,200$749,650$931,600
Sutter$484,350$620,200$749,650$931,600
Tehama$484,350$620,200$749,650$931,600
Trinity$484,350$620,200$749,650$931,600
Tulare$484,350$620,200$749,650$931,600
Tuolumne$484,350$620,200$749,650$931,600
Ventura$713,000$912,750$1,103,350$1,371,150
Yolo$552,000$706,650$854,200$1,061,550
Yuba$484,350$620,200$749,650$931,600