California mortgage rates

Your rate isn't
a number on a chart.

Mortgage rates depend on your credit score, loan amount, property type, and program — not a generic table. The fastest way to know your real rate is to ask a licensed loan officer who can run your numbers.

Wholesale pricing — no retail markup
Personalized to your credit, loan amount, and program
No credit pull required to get a quote

CA DFPI Licensed

NMLS #2640412

Response within 1 hour

Get Your Rate

60 seconds · No credit pull · No obligation

Step 1 of 3 — Loan type33%

Estimated purchase price or home value

Estimated credit score

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You’re all set, there.

A licensed loan officer will reach you within 1 business hour.

Can’t wait? Call (213) 867-4223

Why we don't post a rate table

A generic rate isn't your rate.

Rate comparison sites and bank rate tables show a best-case number that applies to almost no one. Your actual rate depends on factors specific to your file.

Your credit score

A 40-point swing in credit score can move your rate by a quarter point or more. The rate you see online assumes a score most borrowers don't have.

Loan amount & LTV

Jumbo loans, high-balance loans, and loans above 80% LTV all price differently. A rate quote without these details is incomplete.

Property & program

Primary residence, second home, and investment property all carry different rate adjustments. So do conventional, FHA, VA, and jumbo programs.

Your rate isn'ta number on a chart.