Today's Rates

Sample Mortgage Rates for California

Rates move daily, sometimes multiple times a day. The numbers below are illustrative samples for a standard borrower profile. Your actual rate depends on credit, down payment, loan amount, and property type. The fastest way to know your real rate is to request a free quote.

Live Daily Rates

Updated daily by Mortgage News Daily

Live national averages from Mortgage News Daily. Your actual rate depends on credit, down payment, loan amount, and property type. Request a personalized quote below for your real rate.
Live Mortgage Rates
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Live rates above are national averages provided by Mortgage News Daily and do not constitute a commitment to lend. Your actual pricing requires a full application and credit review.

Why Quotes Beat Rate Tables

Your Real Rate Depends on Your Real Situation

Rate tables are useful for tracking the market, but they don't reflect your loan. Two borrowers shopping the exact same home can get very different rates, and even the "same" rate can carry different fees, points, and APR.

When we quote you, we price the loan against the actual factors lenders use: credit score, down payment, loan-to-value, debt-to-income, property type, occupancy, and loan amount. It takes a few minutes and gives you a real number you can plan around.

What Moves Your Rate

  • Credit score: Every 20-point band typically changes pricing.
  • Down payment / LTV: Lower LTV almost always means a better rate.
  • Loan amount: Conforming vs. high-balance vs. jumbo all price differently.
  • Property type: Single-family, condo, multi-unit each have their own pricing.
  • Occupancy: Primary residence beats second home beats investment.
  • Points: Paying points lowers your rate; lender credits raise it.
  • Lock period: Longer locks (45–60 days) cost slightly more than 15–30 day locks.
Personalized Quote

Get Your Real Rate

Tell us a bit about your situation and we'll send back a real rate quote, usually within 1-2 business days. Free, no obligation, no impact on your credit to start.

  • ✓ No credit pull required to quote
  • ✓ Response within 1-2 Business Days
  • ✓ Honest answers, not sales pitches

By submitting, you agree to be contacted by Signature Home Mortgage regarding your inquiry. Your information is kept confidential and never sold.

Common Questions

Rate FAQ

How often do mortgage rates change?

Mortgage rates can move multiple times within a single day. They're driven primarily by the bond market and adjust as economic data and policy expectations shift.

Why is my actual rate different from the rates listed?

Published rates assume a standard borrower profile. Your actual rate depends on credit score, down payment, loan amount, property type, occupancy, and loan purpose.

What's the difference between rate and APR?

The interest rate is the cost of borrowing the principal. The APR includes lender fees and gives you a fuller picture of the loan's total cost.

Should I lock my rate or float?

If rates are stable or rising, locking protects you. If rates are clearly trending down and you have time, floating may save money. We help you decide based on market conditions and your timeline.

What are points?

One discount point equals 1% of your loan amount and typically lowers your rate by about 0.25%. Whether they're worth it depends on how long you'll keep the loan.

How do I get a real, personalized rate?

Request a free quote above. We price your loan based on the actual factors that matter and send you a clear, written rate sheet, usually within 1-2 business days.