California Mortgage Rates & Home Loans
Freedomstar Financial offers competitive California mortgage rates on conventional, FHA, VA, and jumbo home loans, licensed in California (License #DRE01852897). The 2026 baseline conforming loan limit in California is $832,750, with high-balance and jumbo financing available for higher loan amounts.
From coastal metros to the Central Valley, California blends high-cost housing with strong demand. High conforming and FHA limits in many counties mean more buyers qualify for agency financing before reaching jumbo territory.
Today's California Mortgage Rates
Live best-execution rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
High-Balance 30-Yr Fixed
6.125%
APR 6.193%
Jumbo 30-Yr Fixed
6.125%
APR 6.203%
VA 30-Yr Fixed
5.625%
APR 5.741%
Rates subject to change. See Rate Assumptions.
California Home Loan Facts
Median Home Price
~$785,000
Curated statewide estimate.
2026 Conforming Limit
$832,750
Baseline one-unit limit.
2026 FHA Floor
$541,287
Higher in high-cost counties.
Property Taxes
California property tax is capped near 1% of assessed value under Proposition 13, with assessed value increases limited to 2% per year until a sale.
Loan Limits & Market
Because home prices in metros like Los Angeles, San Diego, and the Bay Area frequently exceed the baseline conforming limit, high-balance conforming and jumbo loans are common. Many high-cost counties carry a conforming limit up to $1,249,125.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in California
CalHFA MyHome Assistance
Deferred-payment junior loan to help cover down payment or closing costs.
CalHFA Conventional & FHA
Below-market first mortgages pairable with down payment assistance.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in California
Your California loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active California mortgage license (#DRE01852897). See our full licensing & disclosures for details.
Meet Ivan HendrenCalifornia Mortgage FAQ
What is the conforming loan limit in California for 2026?
The 2026 baseline conforming loan limit in California is $832,750 for a one-unit home. High-cost counties such as Los Angeles, Orange, and the Bay Area carry a higher limit of up to $1,249,125.
Do I need a jumbo loan to buy in California?
Only if your loan amount exceeds the county conforming limit. In many California high-cost counties you can borrow up to $1,249,125 with a conforming or high-balance loan before a jumbo loan is required.
Is Freedomstar Financial licensed in California?
Yes. Freedomstar Financial is licensed to originate residential mortgages in California. Current license numbers are listed on this page and on our licensing page.
Markets We Serve in California
Los Angeles
Median ~$970,000
High-cost metro where jumbo and high-balance conforming loans are common.
Los Angeles mortgage detailsSan Diego
Median ~$920,000
Strong VA demand near military installations plus a high-cost purchase market.
San Diego mortgage detailsSacramento
Median ~$560,000
More affordable capital-region market with active first-time buyer activity.
Sacramento mortgage detailsReady to get started in California?
Get a personalized, transparent rate quote in minutes — no obligation, no hard credit pull to start.