Should I refinance now?

Only if the savings beat the costs before you sell, or it reaches a goal. See Refinance Check-Up (Is it worth it).

Why is my refinance rate different from the rate I see advertised?

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

Are cash-out rates different?

Often slightly higher than rate-and-term, since they carry more risk.

What's the difference between rate and APR?

The rate sets your payment; the APR adds fees. See Rate vs APR.

How can I get a lower refinance rate?

Improve your credit, build equity, consider points, and compare lenders. See Lower My Rate.

What is a "no-cost" refinance?

One where costs are built into the rate or balance, not truly free.

How do I get my real rate?

Get a personalized quote. See See Personalized Rates (Refi).

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Home›Rates›Refinance Rates

Rates · Today's Rates

Today's refinance rates in California.

Thinking about refinancing? Refinance rates move daily, so this page helps you understand what drives your rate and whether refinancing is worth it. The live rate table belongs here, but the smartest first step is the break-even math.

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Parents forming a roof over their family, representing today's refinance rates

Today’s sample rates

Live Rates · California

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Monthly payment examples below are for a loan amount of $275,000 ($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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See your real refinance rate

Rates change daily and vary by your profile. A personalized quote gives the most accurate number.

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What affects your refinance rate

FactorHow it affects your rate

Credit scoreHigher score, usually lower rate

Equity (loan-to-value)More equity can help pricing

Loan typeRate-and-term vs cash-out price differently

Loan termShorter terms often have lower rates

PointsCan lower your rate. See Points & Credits (Buy Down Rate)

The marketMoves rates daily. See What Moves Rates

Is refinancing worth it?

A lower rate is only part of the story. Compare your monthly savings to the closing costs to find your break-even point. If you'll keep the loan past that point, refinancing usually pays off. See Refinance Check-Up (Is it worth it).

How to compare refinance offers

Use the APR, not just the rate. See Rate vs APR.

Get a few loan estimates.

Watch for "no-cost" offers — the cost is built into the rate or balance.

Mind your timeline — moving before break-even loses money.

Good questions

Frequently asked questions

They change daily. The live table shows ranges; your personal rate depends on your profile.

Next steps

Run the numbers, then get a quote

Start with the break-even math, then get a personalized refinance quote. EZ Online Mortgage can show your personalized refinance rate and whether it actually saves you money.

Start Refinance Rates (818) 305-6704

Keep learning

Refinance Check-Up (Is it worth it) See Personalized Rates (Refi) Rate vs APR Lower My Rate

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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