California Mortgage Rates
Finance Center Home > California Home Mortgage Rates| California Rates | National Rates | |||||
| Fixed Mortgages | Today | +/- | Last Week | Today | +/- | Last Week |
| 10 yr Fixed | 5.94% | 5.59% | 5.99% | 5.64% | ||
| 15 yr Fixed | 6.01% | 5.67% | 6.04% | 5.72% | ||
| 20 yr Fixed | 6.39% | 6.14% | 6.43% | 6.17% | ||
| 30 yr FHA | 6.48% | 6.28% | 6.6% | 6.42% | ||
| 30 yr Fixed | 6.48% | 6.18% | 6.51% | 6.22% | ||
| 40 yr Fixed | 6.84% | 6.66% | 6.89% | 6.69% | ||
| Adjustable Rate Mortgages (ARM) | ||||||
| 1 yr ARM | 6.79% | 6.68% | 6.3% | 6.2% | ||
| 10/1 ARM | 6.63% | 6.18% | 6.64% | 6.16% | ||
| 3/1 ARM | 5.85% | 5.39% | 5.84% | 5.39% | ||
| 5/1 ARM | 5.91% | 5.59% | 5.97% | 5.63% | ||
| 7/1 ARM | 6.3% | 5.87% | 6.34% | 5.87% | ||
Mortgage Basics
Chapter 1: Should you buy or rent?
There's no easy answer. Emotions, family and personal reasons all come into play in any home-buying decision. more...Chapter 2: How mortgages work
You can get a mortgage in many places, but they all share the same characteristics. more...Chapter 3: Your mortgage payment
Your monthly payment is determined by the rate and the amount of the loan, but there's much more to it. more...Chapter 4: Paperwork and fees
Prepare to gather a lot of paperwork, negotiate your loan terms and make sense of all the fees. more...Chapter 5: Underwriting
The clock has started ticking toward closing day, but much remains to be done during those few weeks. more...Chapter 6: Closing
It's your last chance to alter the deal, and the last chance for someone to sneak something past you. more...Chapter 7: Ownership, after closing
You have the keys, but you're not done. Your mortgage needs periodic maintenance. more...California Home Equity Rates
Home Equity Basics
Chapter 1: What equity debt isBefore tapping into the equity in your home, become familiar with the way home equity loans work. more... |
Chapter 3: ApplyingThe keys to a great rate are your credit history, your income and the loan-to-value ratio. more... |
Chapter 2: Decisions, decisionsHome equity loans are available in two ways - as a fixed-rate loan or a variable-rate line of credit. Which one is best for your situation? more... |
Chapter 4: Watch Out!Tapping your home's equity can be risky. Know the loan rules, your home's value and your actual costs before closing the deal. more... |
Home Equity Loan Rates
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Home Equity Line of Credit Rates
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Refinance Rates
| Fixed Rates | California Rates |
| 10 yr fixed | 5.92% |
| 15 yr fixed | 6.03% |
| 20 yr fixed | 6.38% |
| 30 yr FHA | 6.48% |
| 30 yr fixed | 6.51% |
| Adjustable Rates | |
| 1 yr ARM | 5.5% |
| 10/1 ARM | 6.76% |
| 3/1 ARM | 5.84% |
| 5/1 ARM | 5.92% |
| 7/1 ARM | 6.32% |
News and Articles
Interest Rate Roundup
Here's a look at the state of interest rates on five common consumer banking products and the latest rates from Bankrate.com's weekly national survey of large banks and thrifts.
Appraisal may reverse equity freeze
A home appraisal may convince a lender to reverse a home equity freeze, says Dr. Don Taylor.
Never smart to postdate mortgage check
Postdating a mortgage check can create severe consequences for the borrower, says Dr. Don Taylor.
Refinancing to ARM may be risky
Know the risks before refinancing to an adjustable-rate mortgage, says Dr. Don Taylor.
Home sellers sing 'buyer's market blues'
Even calling it a "buyer's market" hasn't brought out the buyers, says the Real Estate Adviser.
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