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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: 02/14/2026 Conventional Loans
6.739%
6.458%
0.17%
0.07%
6.75%
6.97%
0.37%
0.03%
Last Updated: 02/14/2026 VA Loans
5.21%
5.28%
0.42%
0.60%
5.46%
5.728%
0.06%
0.05%
Last Updated: 02/14/2026 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!
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Credit score affects loan approval and interest rates; scores >720 are high, <650 makes approval difficult. Debt-to-income ratio (DTI) should