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CURRENT CALIFORNIA
MORTGAGE RATES
FHA Loans
5.33%
6.281%
0.00%
0.00%
5.38%
6.437%
0.00%
0.00%
Last Updated: 07/19/2025 Conventional Loans
6.739%
6.458%
0.17%
0.07%
6.75%
6.97%
0.37%
0.03%
Last Updated: 07/19/2025 VA Loans
5.21%
5.28%
0.42%
0.60%
5.46%
5.728%
0.06%
0.05%
Last Updated: 07/19/2025 FHA Loans
5.63%
6.458%
0.00%
0.00%
5.63%
6.458%
0.00%
0.00%
FHA Loans
5.63%
6.458%
0.00%
0.00%
5.63%
6.458%
0.00%
0.00%
FHA Loans
5.63%
6.458%
0.00%
0.00%
5.63%
6.458%
0.00%
0.00%
Mortgage Calculators
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in Los Angeles? Now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
Latest News
Recession & Rates: Will Your Mortgage Bill Shrink? | NetCORE Investment Group, Inc. dba NetCORE Lending. All Rights Reserved. NMLS# 1484338 NMLS Consumer Access/Legal Disclaimer
Mortgage rates often drop during recessions, influenced mainly by Federal Reserve economic stimulus actions. High inflation recessions in the 1970s-80s
Will Mortgage Rates Ever Dip Below 6.5%? | NetCORE Investment Group, Inc. dba NetCORE Lending. All Rights Reserved. NMLS# 1484338 NMLS Consumer Access/Legal Disclaimer
Since mid-April, 30-year fixed mortgage rates have hovered between 6.7% and 7%. Economists predict rates will remain high due to
Can You Lower Your Locked Mortgage Rate? | NetCORE Investment Group, Inc. dba NetCORE Lending. All Rights Reserved. NMLS# 1484338 NMLS Consumer Access/Legal Disclaimer
You may get a lower rate after locking if your lender offers a float-down option. Not all lenders allow rate
Will the Fed Finally Blink? | NetCORE Investment Group, Inc. dba NetCORE Lending. All Rights Reserved. NMLS# 1484338 NMLS Consumer Access/Legal Disclaimer
The Fed held rates steady for the fourth time, fearing premature cuts could reignite inflation still above target levels. Jobless
Can You Still Get a Low Mortgage Rate? | NetCORE Investment Group, Inc. dba NetCORE Lending. All Rights Reserved. NMLS# 1484338 NMLS Consumer Access/Legal Disclaimer
Raise your credit score to 740+ for better rate eligibility and overall loan terms. A 20% down payment reduces borrowing
Why Aren’t Fed Cuts Lowering Your Mortgage? | NetCORE Investment Group, Inc. dba NetCORE Lending. All Rights Reserved. NMLS# 1484338 NMLS Consumer Access/Legal Disclaimer
Mortgage rates aren’t directly tied to Fed moves—they follow the 10-year Treasury yield and investor sentiment. In 2024, despite three