Rates
Working estimates for California.
Freddie Mac PMMS · week of September 10, 2026. These are starting points — your quote depends on credit, down payment, occupancy, and loan size.
Read this week’s take| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed Conventional | 6.760% | 6.823% | 0.5 |
| 15-Year Fixed Conventional | 6.090% | 6.153% | 0.5 |
| FHA 30-Year | 6.510% | 6.604% | 0.75 |
| VA 30-Year (No PMI) | 6.385% | 6.385% | 0 |
| Jumbo 30-Year (above conforming) | 7.010% | 7.073% | 0.5 |
| 5/1 ARM | 6.385% | 6.448% | 0.25 |
30- and 15-year conventional rates are the Freddie Mac Primary Mortgage Market Survey® national weekly averages as of September 10, 2026 (published Thursdays). FHA, VA, jumbo, and ARM figures are illustrative California working estimates derived from that survey. They are not a rate quote, an offer, or a commitment to lend. Your actual rate and APR depend on credit, loan amount, down payment, property, occupancy, and market conditions.
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