If you’re looking to buy or refinance your home in California now may be a great time to act. Mortgage rates have dropped to their lowest point of 2025 making this one of the best times of the year to lock in a loan. A small difference in rate can save you thousands over the life of a mortgage so getting expert guidance matters.
At Alpine Mortgage, we help clients throughout California from Los Angeles, San Diego, and San Francisco to Sacramento and the Central Valley lock in competitive mortgage rates with fewer fees and a smoother process.
Current Mortgage Rates in California (as of September 2025)
Good news: Our rates are currently at the lowest levels we’ve seen all year, making September a great time to lock in your loan and save big. Here’s a look at today’s sample mortgage rates in CA for qualified borrowers:
| Loan Type | Rate | APR | Fees | Action |
|---|---|---|---|---|
| 30 Year Fixed Conv | 5.875% | 5.989% | $995 | Apply Now |
| 20 Year Fixed Conv | 5.250% | 5.406% | $995 | Apply Now |
| 15 Year Fixed Conv | 4.875% | 5.061% | $995 | Apply Now |
| 30 Year Fixed FHA | 5.500% | 6.321% | $995 | Apply Now |
| 30 Year Fixed VA | 5.750% | 6.058% | $995 | Apply Now |
👉 Good news: Our rates are currently at the lowest levels we’ve seen all year making September an excellent time to secure your California mortgage.
How to Qualify for the Best Mortgage Rate in California
Getting the best rate isn’t just about timing, it’s about preparation. Here’s what lenders like us look for:
- Credit Score: Aim for 740+ for the best pricing; FHA loans are available with scores as low as 500.
- Down Payment: Larger down payments can remove PMI and obtain lower rates.
- Loan Type: Conventional, FHA, VA, Non QM, DSCR – each program has different rates.
- Property Type & Location: Single family homes typically receive the best pricing; condos and multi-units may price slightly higher.
Alpine’s expert team helps you optimize each factor and prepare a strong application so you can lock in the lowest rate with confidence.
Why CA Buyers Choose Alpine Mortgage Over Big Banks
You could walk into your local branch but what you gain in familiarity, you might lose in flexibility.
Here’s why smart California homebuyers are choosing Alpine Mortgage:
| Feature | Alpine Mortgage | Big Bank |
|---|---|---|
| Access to multiple lenders | ✅ Yes | ❌ No (only in-house) |
| Custom rate shopping | ✅ Yes | ❌ Limited options |
| Same day pre-approvals | ✅ Yes | ❌ Slower processing |
| Local CA expertise | ✅ Yes | ❌ Generic service |
| Low closing costs | ✅ Yes | ❌ Often higher |
As both a direct lender and broker, we shop the market for you, giving you more options and stronger negotiating power than a single bank. Alpine Mortgage has helped Californians from Silicon Valley to San Diego—secure the best possible mortgage rates. Our combination of local market knowledge and access to multiple lenders consistently saves clients time and money.
“Alpine helped us navigate a competitive Bay Area market and locked a rate below what any bank could match. Outstanding service!” — ⭐⭐⭐⭐⭐ James H, San Francisco, CA
Fixed vs. Adjustable Rates in California: What’s Right in 2025?
In a volatile market, 30 year fixed rates are still the most popular for most California buyers. But if you’re planning to sell or refinance in the next 5-7 years, an adjustable-rate mortgage (ARM) could save you money upfront.
Common Questions from California Mortgage Shoppers
Q: What’s considered a good mortgage rate in CA today?
A: In September 2025, anything under 6.00% for a 30-year fixed is considered highly competitive.
Q: How quickly can I close on my loan in CA?
A: We can close your loan as quickly as 2 weeks.
Get a Custom California Rate Quote Today
Don’t settle for online rate teasers or “bait and switch” offers.
With Alpine Mortgage, you’ll get:
- Transparent pricing and closing costs
- Personalized advice tailored to New York buyers and homeowners
- Fast responsive service from licensed CA professionals
Click below to get your secure, no obligation rate quote.
The conventional rates shown are based on a loan amount of $525,000 and a down payment of at least 25%. The FHA rates shown are based on a loan amount of $675,500 and a down payment of at least 3.5%. The VA rates shown are based on a loan amount of $700,000 and no down payment. NY Mortgage rates are subject to change at any time and are subject to mortgage approval with full documentation of income. All rates shown are for a 30 day rate lock with one discount point on the purchase or rate and term refinance of a single family primary residence with a 740 or higher FICO score.
