California
Mortgage RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Cal Fed Mortgage to receive a personalized rate for your specific situation.
FHA home loans are popular among California first-time homebuyers due to low down payment and credit requirements.
FHA Loans
A conventional(fixed-rate mortgage) is a popular type of home financing in California because it offers predictability for your budget.
Conventional Loans
A jumbo home loan is a mortgage used to finance California properties that are too expensive for a conventional conforming loan.
Jumbo LoansConventional 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 California? Now may be the right time to start saving money every month!
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