Mortgage Rates
Today's mortgage rates
Indicative California averages as of August 2026. Your quote depends on credit, down payment, property type, and lock period.
30-Year Fixed
6.375%
APR 6.52%
-0.05 pts week over week
Lowest payment, longest term
15-Year Fixed
5.625%
APR 5.83%
-0.08 pts week over week
Less interest, faster payoff
5/1 ARM
5.875%
APR 6.14%
+0.02 pts week over week
Fixed 5 years, then adjusts
Indicative averages — not a rate lock or offer. Not a rate lock, commitment, or offer to lend.
What moves your rate
Credit profile
Every 20-point score band can shift your rate. Pull your score before you shop.
Down payment
More equity lowers lender risk — and often the rate and mortgage insurance.
Loan type & term
Fixed vs. adjustable, 30 vs. 15 year, conforming vs. jumbo all price differently.
Occupancy
Primary residences price better than second homes and investment properties.
Points & lock period
Paying points buys the rate down; longer locks usually cost a little more.