Mortgage Rate - California


Date: 10/21/2025

The following are today's purchase rate and refinance rate for California:

Purchase $650K FICO 780 Zip code 93311
7/6 ARM30 year fixed15 year fixedLTVPoints & Origination fee
Owner Occupied5.665.955.2580%0
Investment Property6.186.4575%0
DSCR6.37575%0

Refinance $650K FICO 780 Zip code 93311
7/6 ARM30 year fixed15 year fixedLTVPoints & Origination fee
Owner Occupied5.175.534.8975%0
Investment Property5.96.0875%0


Purchase $2M FICO 780 Zip code 94065
7/6 ARM30 year fixedBank StatementLTVPoints & Origination fee
Owner Occupied5.6255.8756.37575%0


Refinance $650K FICO 780 Zip code 93311
7/6 ARM30 year fixedBank StatementLTVPoints & Origination fee
Owner Occupied5.755.56.575%0

Please notes: 
  • DSCR Loan Rates: Include a three-year prepaid penalty and require a DSCR of ≥1.