Updated July 13, 2026

Today's Sample Mortgage Rates

Strong-credit example scenarios for California borrowers. Your final rate depends on your complete loan profile, market conditions, and lock timing.

Eligible buyers may qualify for:1-year payment saverUp to $600 appraisal credit$2,500 buyer assistance$500 credit

30-Year Fixed

Popular
6.250%

6.401% APR

Sample rate · 30-year term

Ask AI about this rate

20-Year Fixed

6.125%

6.306% APR

Sample rate · 20-year term

Ask AI about this rate

15-Year Fixed

5.500%

5.721% APR

Sample rate · 15-year term

Ask AI about this rate

High-Balance 30-Year

Higher loan amounts
6.250%

6.410% APR

Sample rate · 30-year term

Ask AI about this rate

FHA 30-Year

Low down payment
5.750%

6.517% APR

Sample rate · 30-year term

Ask AI about this rate

FHA 15-Year

5.750%

6.592% APR

Sample rate · 15-year term

Ask AI about this rate

VA 30-Year

Eligible veterans
5.625%

5.911% APR

Sample rate · 30-year term

Ask AI about this rate

VA 15-Year

5.625%

6.013% APR

Sample rate · 15-year term

Ask AI about this rate

Assumptions
  • Strong-credit sample borrower profile
  • Primary residence scenario
  • California owner-occupied examples
  • Sample APR shown for the same example profile
Purchase benefits

Purchase Offers Worth Checking

Eligible buyers may qualify for payment relief, appraisal credits, or buyer assistance.

1-year payment saver

Eligible buyers may qualify for a temporary first-year payment reduction.

Subject to eligibility and loan approval.

Up to $600 appraisal credit

Eligible purchase borrowers may receive an appraisal credit up to $600.

Subject to eligibility and loan approval.

$2,500 buyer assistance

Eligible first-time buyers may qualify for up to $2,500 in assistance on select loan options.

Subject to eligibility and loan approval.

$500 credit

Some eligible loans may qualify for an additional $500 credit.

Subject to eligibility and loan approval.

Buying a home?

Pair today's sample rates with payment relief and buyer-assistance options that may fit your purchase.

Check purchase options

Refinancing?

Compare rate-and-term, cash-out, FHA, and VA refinance scenarios against your current loan.

Check refinance rate

Rate disclaimer

  • • Rates shown are examples only and are not a loan estimate, rate lock, commitment to lend, or approval.
  • • Actual rate, APR, payment, and costs may vary based on credit profile, loan amount, property type, occupancy, location, loan program, down payment, and other factors.
  • • Rates are subject to change without notice.
  • • APR values shown are sample estimates for the stated example profile and may be higher or lower depending on loan terms and fees.
  • • Temporary payment reduction options lower payments for a limited period only; the note rate does not permanently decrease.
  • • Credits and offers are subject to eligibility, availability, program rules, and loan approval.