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Is buying a home becoming more affordable? See the new "Salary you need to buy a median-priced home in the top 50 metro areas"

Is buying a home becoming more affordable? See the new "Salary you need to buy a median-priced home in the top 50 metro areas"

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".
TIP: Save money by contacting 3 or more lenders.
Featured lenders
Updated: 12/9/2019
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: 9/4/2019
US Bank
  • Simple, secure online application. View rates online. Variable as well as fixed-rate options.
  • Multiple loan options - HELOC, HE Loan and Refinance with competitive rates.
  • Balances can be converted to as many as three fixed rate options at one time for customers.

30 year fixed mortgage rates today from 4.000%

Updated: 12/9/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.000%
APR
Rate as low as
4.000%
Rate
$ 955
Monthly Payment
Show Details
Updated: 12/9/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
5.041%
APR
Rate as low as
4.990%
Rate
$ 1,073
Monthly Payment
Show Details
Updated: 12/9/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.791%
APR
Rate as low as
3.750%
Rate
$ 927
Monthly Payment
Show Details
Updated: 12/9/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.073%
APR
Rate as low as
3.750%
Rate
$ 926
Monthly Payment
Show Details
Updated: 12/9/2019
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.
Updated: 12/9/2019
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

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
AlamedaOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
AlpineOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
AmadorOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ButteOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CalaverasOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ColusaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Contra CostaOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Del NorteOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
El DoradoOne Family$552,000Two Family$706,650Three Family$854,200Four Family$1,061,550
FresnoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GlennOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HumboldtOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ImperialOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
InyoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
KernOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
KingsOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LakeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LassenOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Los AngelesOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
MaderaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MarinOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
MariposaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MendocinoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MercedOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ModocOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MonoOne Family$529,000Two Family$677,200Three Family$818,600Four Family$1,017,300
MontereyOne Family$652,050Two Family$834,750Three Family$1,009,000Four Family$1,253,950
NapaOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
NevadaOne Family$486,450Two Family$622,750Three Family$752,750Four Family$935,500
OrangeOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
PlacerOne Family$552,000Two Family$706,650Three Family$854,200Four Family$1,061,550
PlumasOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
RiversideOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SacramentoOne Family$552,000Two Family$706,650Three Family$854,200Four Family$1,061,550
San BenitoOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
San BernardinoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
San DiegoOne Family$690,000Two Family$883,300Three Family$1,067,750Four Family$1,326,950
San FranciscoOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
San JoaquinOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
San Luis ObispoOne Family$667,000Two Family$853,900Three Family$1,032,150Four Family$1,282,700
San MateoOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Santa BarbaraOne Family$625,500Two Family$800,775Three Family$967,950Four Family$1,202,925
Santa ClaraOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Santa CruzOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
ShastaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SierraOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SiskiyouOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SolanoOne Family$494,500Two Family$633,050Three Family$765,200Four Family$950,950
SonomaOne Family$704,950Two Family$902,450Three Family$1,090,850Four Family$1,355,700
StanislausOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SutterOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
TehamaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
TrinityOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
TulareOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
TuolumneOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
VenturaOne Family$713,000Two Family$912,750Three Family$1,103,350Four Family$1,371,150
YoloOne Family$552,000Two Family$706,650Three Family$854,200Four Family$1,061,550
YubaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600