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New: See HSH.com's Annual Outlook -Our 2020 forecast for mortgage rates, housing and more.

New: See HSH.com's Annual Outlook -Our 2020 forecast for mortgage rates, housing and more.

California Mortgage Rates and Refinance Rates: HSH Lender Showcase

Personalize your quotes and see mortgage rates just for you.
Displaying Today's Mortgage Rates for a $200000 Refinance loan in VA.
Refinance
Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Featured lenders
Updated: 1/21/2020
New American Funding
  • America’s Trusted Mortgage Lender - Rated A+ by the BBB
  • Fast Pre-Approvals, Loan Closing within 14Biz Days, Lock Your Rate Now
  • Offering Conventional, Jumbo, FHA, VA, USDA. Non-QM - 680 Minimum FICO
Featured lenders
Updated: 1/21/2020
Quicken Loans
  • We close our loans FAST - many in 30 days or less!
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.

30 year fixed mortgage rates today from 3.500%

Updated: 1/17/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.721%
APR
Rate as low as
3.500%
Rate
$ 898
Monthly Payment
Show Details
Updated: 1/21/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.666%
APR
Rate as low as
3.625%
Rate
$ 913
Monthly Payment
Show Details
Updated: 1/21/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.123%
APR
Rate as low as
3.750%
Rate
$ 926
Monthly Payment
Show Details
Updated: 1/21/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.271%
APR
Rate as low as
3.125%
Rate
$ 857
Monthly Payment
Show Details
Updated: 9/4/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.538%
APR
Rate as low as
3.500%
Rate
$ 898
Monthly Payment
Show Details
Updated: 1/21/2020
First Internet Bank of Indiana
  • Competitive rates and fees: No fancy branches = savings passed on to you!
  • Excellent service: We can assist you every step along the way.
  • Credible: FDIC Insured Bank, A+ rating with Better Business Bureau. NMLS 424182
Updated: 1/17/2020
CloseYourOwnLoan.com
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee

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.

2020 Conventional loan limits for California

County NameOne FamilyTwo FamilyThree FamilyFour Family
Alameda CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Alpine CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Amador CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Butte CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Calaveras CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Colusa CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Contra Costa CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Del Norte CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
El Dorado CountyOne Family$569,250Two Family$728,750Three Family$880,900Four Family$1,094,700
Fresno CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Glenn CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Humboldt CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Imperial CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Inyo CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Kern CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Kings CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Lake CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Lassen CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Los Angeles CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Madera CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Marin CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Mariposa CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Mendocino CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Merced CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Modoc CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Mono CountyOne Family$529,000Two Family$677,200Three Family$818,600Four Family$1,017,300
Monterey CountyOne Family$672,750Two Family$861,250Three Family$1,041,050Four Family$1,293,750
Napa CountyOne Family$764,750Two Family$979,000Three Family$1,183,400Four Family$1,470,700
Nevada CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Orange CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Placer CountyOne Family$569,250Two Family$728,750Three Family$880,900Four Family$1,094,700
Plumas CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Riverside CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Sacramento CountyOne Family$569,250Two Family$728,750Three Family$880,900Four Family$1,094,700
San Benito CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
San Bernardino CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
San Diego CountyOne Family$701,500Two Family$898,050Three Family$1,085,550Four Family$1,349,050
San Francisco CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
San Joaquin CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
San Luis Obispo CountyOne Family$690,000Two Family$883,300Three Family$1,067,750Four Family$1,326,950
San Mateo CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Santa Barbara CountyOne Family$625,500Two Family$800,775Three Family$967,950Four Family$1,202,925
Santa Clara CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Santa Cruz CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Shasta CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Sierra CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Siskiyou CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Solano CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Sonoma CountyOne Family$704,950Two Family$902,450Three Family$1,090,850Four Family$1,355,700
Stanislaus CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Sutter CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Tehama CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Trinity CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Tulare CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Tuolumne CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Ventura CountyOne Family$713,000Two Family$912,750Three Family$1,103,350Four Family$1,371,150
Yolo CountyOne Family$569,250Two Family$728,750Three Family$880,900Four Family$1,094,700
Yuba CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
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