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John Mortgage

John Mortgage

Branch Manager
NMLS# 12345

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Current

California

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate7.50%

1W Change 0.00%

APR8.27%

1W Change 0.00%

Refinance - 30 Year Fixed

Rate5.83%

1W Change 0.00%

APR6.57%

1W Change 0.00%
Last Updated: 10/18/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate7.36%

1W Change 0.08%

APR7.37%

1W Change 0.08%

Refinance - 30 Year Fixed

Rate7.43%

1W Change 0.13%

APR7.45%

1W Change 0.13%
Last Updated: 10/18/2026

VA Loans

Purchase - 30 Year Fixed

Rate6.74%

1W Change 0.12%

APR7.09%

1W Change 0.13%

Refinance - 30 Year Fixed

Rate6.74%

1W Change 0.10%

APR7.08%

1W Change 0.11%
Last Updated: 10/18/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with John Mortgage to receive a personalized rate for your specific situation.

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%โ€“20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$
$

5%

7.4%

Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes, insurance and HOA
$

1%

0%

$
$

$1421

Monthly payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Monthly PMI $0

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*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$
$

5%

7.4%

Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly FHA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Up-front MIP (1.75%) $0

Monthly mortgage insurance $0

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*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$
$

0%

4.5%

Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly VA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Purchase price $1421

VA funding fee $1421

Amount financed $1421

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*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Los Angeles? Now may be the right time to start saving money every month!

$
%
months
$
% Freddie Mac 30-year fixed average, week of 10-15-2026
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime savings $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
% Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes and insurance
$
$

You can afford up to

$

Monthly payment $

Principal and interest $

Tax $

Insurance $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

With rates historically high, see what buying down your mortgage rate could look like for your payment, whether that's a temporary or permanent buydown.

$
% Freddie Mac 30-year fixed average, week of 10-15-2026
%

Year 1 payment

$0/month

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
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John Mortgage

200 W Washington St
Phoenix, AZ 85003
602.123.4567
NMLS# 12345

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