Why is my rate different from the advertised rate?

Advertised rates assume a strong profile. Your credit, down payment, and loan type adjust your rate.

What's the difference between rate and APR?

The rate sets your payment; the APR adds fees to show the fuller cost. See Rate vs APR.

How can I get a lower purchase rate?

Improve your credit, consider points, and compare lenders. See Points & Credits.

Should I lock my rate?

Often yes, once you have an accepted offer. See Rate Lock vs Float.

Do rates differ by loan type?

Yes. FHA, VA, conventional, and jumbo all price differently.

Does my down payment affect my rate?

It can. A larger down payment may improve your pricing.

How do I get my real rate?

Get a personalized quote based on your situation. See Get Pre-Approved.

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Home›Rates›Purchase Rates

Rates · Today's Rates

Today's Purchase Mortgage Rates in California

Shopping for a home? Purchase rates change every day, so this page is your starting point for understanding what affects your rate and how to get a number that's actually yours. The live rate table belongs here, but the rate you see advertised is rarely the rate you personally get.

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A family in the driveway of their California home shopping today's purchase mortgage rates

Today’s sample rates

Live Rates · California

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Monthly payment examples below are for a loan amount of $350,000 ($1,100,000 on Jumbo). Taxes and insurance are not included within the estimate; actual payment amount will be greater.

No rates are currently available for this selection.

Try the other tab, or get a personalized quote for your scenario.

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Get your personalized purchase rate

Rates change daily and vary by your profile, so the most accurate number comes from a personalized quote.

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What Affects Your Purchase Rate

Your rate has two layers: the market, and your personal profile.

FactorHow it affects your rate

Credit scoreHigher score, usually lower rate

Down paymentMore down can help your pricing

Loan typeFHA, VA, conventional, and jumbo price differently

Loan termShorter terms often have lower rates

PointsPaying points lowers your rate. See Points & Credits

The marketInflation and bonds move rates daily. See What Moves Rates

How to Compare Rates the Smart Way

Look at the APR, not just the rate. The APR includes fees. See Rate vs APR.

Get loan estimates from a few lenders. Compare the same loan type and term.

Check the fee list too. A low rate with high fees may cost more.

Decide when to lock. See Rate Lock vs Float.

Why Advertised Rates Differ From Yours

Advertised rates usually assume excellent credit, a specific down payment, and ideal conditions. Your rate is personal — it adjusts based on your profile. That is why a quick personalized quote beats any headline number.

Good questions

Frequently asked questions

They change daily. The live table shows current ranges, but your personal rate depends on your profile. Get a personalized quote for an accurate number.

Next steps

Know your real purchase rate

The fastest way to know your real purchase rate is a personalized quote. EZ Online Mortgage can give you a personalized purchase rate based on your real situation — no guesswork.

Get Pre-Approved (818) 305-6704

Keep learning

Rate vs APR Rate Lock vs Float What Moves Rates

This page is for education only. It is not a loan offer or a rate quote. Rates change daily and depend on your individual circumstances. Equal Housing Opportunity · NMLS #362311 · CA DRE #01871814.

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