Last updated:
What are today's California refinance rates?
California refinance rate trends
Adjust the graph below to see historical refinance rates in California. Tailor the refinance data to fit your loan program, credit score and down payment. Consider recent fluctuations before deciding the best time to refinance your mortgage.
Compare CA refinance rates by loan type
The table below is updated daily with California refinance rates for the most common types of home loans. Compare week-over-week changes to refinance rates and APRs.
The APR includes both the interest rate and the lender fees for a more realistic value comparison.
California conforming loans
| PROGRAM | RATE | 1W CHANGE | APR | 1W CHANGE |
|---|
California government loans
| PROGRAM | RATE | 1W CHANGE | APR | 1W CHANGE |
|---|
California jumbo loans
| PROGRAM | RATE | 1W CHANGE | APR | 1W CHANGE |
|---|
Refinancing options in California
Refinance rates and mortgage purchase rates are often the same, though refinance rates can occasionally be higher. To get the best refinance rate in California, work on improving your credit score. It also pays to carefully compare APRs, which include the interest rate and the associated fees, to ensure the best value.
Use a refinance calculator to adjust your rate and loan term to determine the amount you could save off your monthly payment.
Most lenders require a home appraisal during the refinancing process. Do you know how your home value has changed since purchase? The current value of your home could impact your equity and potentially help eliminate any private mortgage insurance you’re paying.
Lastly, check California refinance rates daily to capitalize on the best refinancing opportunity.