agency
Headline rate30-Year Fixed
6.300%
APR 6.420%+7 bps·+0.070%
Rates Dashboard
How California mortgage rates move.
A snapshot of where major loan programs sit and how they've moved over the last 30 days. Visualization only — for actual lockable pricing, call our team.
Educational snapshot. The dashboard below uses real public data for conforming and Treasury rates plus illustrative spread estimates for FHA, VA, jumbo, and DSCR. None of these are lockable quotes. For an actual rate, call our team — pricing depends on credit, LTV, property type, occupancy, loan amount, and lock period.
Mortgage rates dashboard
Most recent data as of Thursday, April 30, 2026 · Day-over-day changes shown in basis points (bps).
30-day trend
30-Year Fixed
High 6.460%
Low 5.980%
Residential
Other home-loan programs
Government, jumbo, investor, and the 10-year Treasury reference. FHA, VA, jumbo, and DSCR are estimated as typical spreads off the conforming 30-year — not pulled from a wholesale rate sheet.
agency
15-Year Fixed
5.640%
APR 5.780%+6 bps·+0.060%
Conventional 15-year fixed conforming. Source: Freddie Mac PMMS weekly survey.
agency
FHA 30-Year
6.050%
APR 6.780%+7 bps·+0.070%
FHA-insured 30-year fixed. Estimated as a typical spread off conforming. APR includes UFMIP + MIP.
agency
VA 30-Year
6.000%
APR 6.150%+7 bps·+0.070%
VA-eligible 30-year fixed. Estimated spread off conforming. Zero-down, no PMI; APR includes funding fee.
jumbo
Jumbo 30-Year Fixed
6.550%
APR 6.680%+7 bps·+0.070%
Prime jumbo above the conforming limit. Estimated spread off conforming; varies by reserves and loan size.
investor
DSCR Investor 30-Year
8.300%
APR 8.480%+7 bps·+0.070%
Non-QM DSCR for rental investors. Estimated non-QM premium off conforming; no personal income docs.
Reference
10-Year Treasury
4.430%
APR 4.430%-2 bps·-0.020%
10-year constant-maturity Treasury yield. Source: U.S. Treasury daily yield curve.
Commercial real estate
CRE & SBA programs
Conventional commercial, SBA owner-user, and agency multifamily. Conv. CRE and multifamily are estimated as typical spreads off the 5- and 10-year Treasury. SBA 7(a) is Prime-anchored at the program's max allowable rate.
Reference
5-Year Treasury
4.080%
APR 4.080%0 bps·0.000%
5-year Treasury yield. Source: U.S. Treasury daily yield curve. Anchors 5-yr fixed CRE pricing.
commercial
Conv. CRE 5-Year Fixed
6.930%
APR 7.110%0 bps·0.000%
Conventional commercial 5-yr fixed (CMBS / portfolio). Estimated 5-yr Treasury + ~250 bps.
commercial
Conv. CRE 10-Year Fixed
6.930%
APR 7.130%-2 bps·-0.020%
Conventional commercial 10-yr fixed. Estimated 10-yr Treasury + ~250 bps.
sba
SBA 7(a)
10.250%
APR 10.750%0 bps·0.000%
SBA 7(a) max allowable rate for owner-user CRE. Prime + 2.75% (Prime currently 7.50%).
sba
SBA 504
6.080%
APR 6.280%-2 bps·-0.020%
SBA 504 blended rate (CDC second + bank first). Estimated 10-yr Treasury + ~150 bps.
multifamily
Multifamily Agency 10-Yr
6.080%
APR 6.260%-2 bps·-0.020%
Fannie Mae DUS / Freddie SBL agency multifamily 10-yr fixed. Estimated 10-yr Treasury + ~165 bps.
Why no live rates here?
A static webpage can't quote your rate.
Live rates change multiple times per trading day.
Any rate advertised on a static webpage is stale by the time you read it. To quote a real rate you can actually lock, a licensed loan officer needs your credit range, loan amount, LTV, occupancy, and property type at minimum. The dashboard above is an educational snapshot — not a quote.
What drives your rate
- Credit score — ranges below 680 price meaningfully worse than 740+ on most conventional and jumbo programs.
- Loan-to-value (LTV) — every 5% increment typically shifts pricing.
- Occupancy — primary residence beats second home beats investment property.
- Property type — single-family prices better than condo, which beats 2-4 unit, which beats non-warrantable condo.
- Loan amount — jumbo above the high-cost county limit is a different pricing tier than conforming.
- Program — conventional, FHA, VA, jumbo, non-QM, and DSCR each carry their own rate structure.
- Market day — MBS pricing shifts multiple times per trading session.
Get a real quote
Fastest path: a 15-minute call or text with our team. We'll ask five questions and quote a real rate — the one you could lock today — along with the loan estimate breakdown.
If the scenario doesn't work at current pricing, we'll tell you what would change that.
Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.