California Mortgage Rates
& Home Loans
Find the best mortgage rates in California. Compare loan programs from 50+ lenders and get pre-qualified in 60 seconds. No credit impact.
Mortgage Programs in California
Compare loan options and find the right fit for your home purchase or refinance in California.
Conventional
6.75%Traditional financing with competitive rates for qualified borrowers.
- No upfront mortgage insurance fee
- PMI removable at 20% equity
- Primary, secondary & investment properties
FHA Loan
6.50%Government-backed loans with lower credit requirements.
- 580+ credit score accepted
- Loan limits up to $1,149,825
- Lower down payment requirements
VA Loan
6.25%Exclusive benefits for veterans and active-duty military.
- No down payment required
- No PMI ever
- Competitive below-market rates
Jumbo Loan
7.00%Financing for high-value properties above conforming limits.
- Loan amounts up to $3M+
- Flexible terms available
- Primary & secondary homes
Popular Cities in California
We serve borrowers across all of California. Here are some of the most popular markets:
How to Get a Mortgage in California
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Mortgage Guide for California Homebuyers
Whether you're a first-time homebuyer in Los Angeles or refinancing your home in San Francisco, Slate Financial offers competitive mortgage rates across California. With an average home price of $785,000 and current rates starting at 6.75%, now is a great time to explore your options.
California homebuyers can choose from several loan programs including Conventional loans, FHA loans (with limits up to $1,149,825), VA loans for veterans, and Jumbo loans for higher-value properties. Our AI-powered platform compares rates from 50+ lenders to find you the best deal.
Property taxes in California average 0.71% of assessed value. When budgeting for your home purchase, be sure to factor in property taxes, homeowner's insurance, and PMI (if your down payment is less than 20%) alongside your monthly principal and interest payment.
First-Time Homebuyer Programs in California
- FHA Loans: As low as 3.5% down with a 580+ credit score. Popular choice for California first-time buyers.
- VA Loans: Zero down payment for eligible veterans. Available in all California markets.
- Conventional 97: Only 3% down for first-time buyers with good credit.
- Down Payment Assistance: Many California programs offer grants and low-interest second mortgages.
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