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California Fixed Mortgage Rates
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California Average | |
National High | |
National Low | |
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| Loan Type | Base Rate | APY | Points | Base Rate | APY | Points | Base Rate | APY | Points | |||||
| 4.625 | 5.250 | 0.125 | 6.500 | 6.500 | 0.000 | 3.875 | 4.125 | 2.125 |
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| 4.500 | 4.375 | 4.500 | 6.625 | 6.500 | 0.125 | 3.750 | 4.000 | 1.625 | ||||||
| 4.250 | 4.000 | 4.250 | 6.125 | 6.125 | 0.125 | 3.375 | 3.625 | 1.500 | ||||||
| 4.000 | 3.875 | 4.000 | 6.125 | 6.125 | 0.000 | 3.250 | 3.750 | 1.625 | ||||||
California Adjustable Mortgage Rates
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California Average | |
National High | |
National Low | |
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| Loan Type | Base Rate | APY | Points | Base Rate | APY | Points | Base Rate | APY | Points | |||||
| 4.125 | 3.968 | 2.250 | 4.750 | 4.188 | 0.125 | 3.750 | 3.813 | 3.250 |
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| 3.625 | 1.000 | 3.480 | 6.875 | 5.000 | 0.125 | 2.750 | 3.125 | 2.500 | ||||||
| 3.500 | 4.125 | 0.000 | 6.375 | 4.500 | 0.125 | 2.375 | 3.125 | 2.375 | ||||||
| 3.250 | 3.250 | 0.125 | 6.125 | 4.250 | 0.000 | 2.500 | 3.250 | 1.000 | ||||||
| 2.375 | 3.000 | 0.000 | 8.125 | 3.625 | 2.125 | 2.375 | 3.000 | 0.000 | ||||||
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Mortgage Rates at 4.25%*
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National vs California 10/1 ARM Mortgage Monthly Payments
| Loan Amount | |
California Average | |
National High | |
National Low | |
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Calculate New Payment No SSN Required |
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| $726.97 | $782.47 | $694.67 | ||||||
| $823.90 | $886.80 | $787.30 | ||||||
| $1,987.06 | $2,138.75 | $1,898.77 | ||||||
National vs California 30-yr. fixed Mortgage Monthly Payments
| Loan Amount | |
California Average | |
National High | |
National Low | |
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| $760.03 | $960.47 | $694.67 | ||||||
| $861.37 | $1,088.53 | $787.30 | ||||||
| $2,077.41 | $2,625.27 | $1,898.77 | ||||||
National vs California 15-yr. fixed Mortgage Monthly Payments
| Loan Amount | |
California Average | |
National High | |
National Low | |
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Calculate New Payment No SSN Required |
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| $1,109.53 | $1,275.94 | $1,054.00 | ||||||
| $1,257.47 | $1,446.06 | $1,194.54 | ||||||
| $3,032.72 | $3,487.56 | $2,880.94 | ||||||
National vs California 5/1 ARM Mortgage Monthly Payments
| Loan Amount | |
California Average | |
National High | |
National Low | |
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Calculate New Payment No SSN Required |
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| $673.57 | $935.80 | $582.98 | ||||||
| $763.38 | $1,060.58 | $660.71 | ||||||
| $1,841.08 | $2,557.87 | $1,593.48 | ||||||
National vs California 3/1 ARM Mortgage Monthly Payments
| Loan Amount | |
California Average | |
National High | |
National Low | |
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Calculate New Payment No SSN Required |
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| $652.81 | $911.42 | $592.68 | ||||||
| $739.85 | $1,032.94 | $671.71 | ||||||
| $1,784.35 | $2,491.20 | $1,620.00 | ||||||
National vs California 1-yr. ARM Mortgage Monthly Payments
| Loan Amount | |
California Average | |
National High | |
National Low | |
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Calculate New Payment No SSN Required |
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| $582.98 | $1,113.75 | $582.98 | ||||||
| $660.71 | $1,262.25 | $660.71 | ||||||
| $1,593.48 | $3,044.24 | $1,593.48 | ||||||
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- Install a whole house fan: A whole house fan is permanently installed in your attic and draws cool air into your home through the windows while forcing hot air out through your attic vents. Use after sundown when the outside temperature drops below 80 degrees, and in the early morning to cool your house and help reduce your air conditioning use. (Save: up to 5 percent)
- Install window shading: Install patio covers, awnings, and solar window screens to shade your home from the sun. For additional future savings, use strategically planted trees, shrubs and vines to shade your home. (Save: 5 percent)
- Invest in a new air–conditioning unit: If your air conditioner is on the way out, buy an ENERGY STAR® air conditioner. (Save: up to 10 percent)
- Seal your ducts: Leaking ductwork accounts for 25 percent of cooling costs in an average home, so have your ducts tested and have any leaks or restrictions repaired by a qualified contractor. Note: duct cleaning is not the same as duct sealing. As of October 1, 2005, if you install a new central air conditioner or furnace, your ducts will have to be inspected. (Save: 10 -20 percent)
- Replace your refrigerator with an ENERGY STAR® model: Refrigerators with a top or bottom freezer design can save you an additional 2-3% on your bill compared to a side-by-side design. (Save: 10 percent)
- Increase attic insulation: If existing insulation level is R-19 or less, consider insulating your attic to at least R-30. (Save: 10 percent)
- Install ENERGY STAR® windows: If your windows are due for replacement, ENERGY STAR® windows can make your house more comfortable year-round. (Save: up to 10 percent)
Home Repairs: California
The programs and resources listed below help homeowners with home repairs and improvements.
- California Housing Finance Authority (CalHFA) - finance the purchase or the refinance of a home in need of repair
- California Affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
- Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
- USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
- California building codes and standards
- Contractors State License Board - file a complaint against a licensed contractor
- Community contacts - find out if your community offers home repair assistance
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*Mortgage Rate of 4.25% is for qualified borrowers for a 10-year fixed rate mortgage to refinance an owner-occupied, one-unit, single family dwelling for a loan of $165,000 to $417,000 ($165,000 to $625,500 in Alaska and Hawaii). If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types. Not all service providers in our network offer this or other products with fixed rate options.
**This advertised rate is for qualified borrowers for to refinance an owner-occupied, one-unit, single family dwelling for a loan of $150,000, $225,000 or $350,000 with a interest only monthly payment of $867, $1301 or $2023. This is an interest only adjustable rate that is fixed for the first 12 months then is subject to increase no more than 1% every 6 months thereafter (until rate has caught up to fully indexed rate). To be eligible for this program borrower must meet applicable credit requirements, including a FICO score of at least 620. MortgageDebt.com is not acting as a lender or broker. The information provided by you to MortgageDebt.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types.
Last Updated: September 03, 2010