Conventional
3-5% down
Standard at conforming price points
Mortgage Rates in California | CA Lender
TouchPoint is licensed to lend across California. Explore personalized rate options and close in 18–25 days. California market varies dramatically by region, but the loan process is the same: review your options, see a real rate, and close with a loan officer who knows your county.
No credit impact to see your personalized rates. This initial rate request does not affect your credit score.
About the California mortgage market
California housing varies dramatically by region. Some higher-cost properties may require jumbo financing, while Sacramento and Central Valley properties may fit conventional or government programs. Property taxes are affected by Proposition 13 and local assessments; transfer taxes vary by county and city. California has a state income tax, and the applicable rate depends on taxable income and filing status.
| Median home price | ~$810,000 statewide (LA $925K; Sacramento $485K) |
|---|---|
| Avg property tax rate | ~1.1% effective (capped at 1% of purchase price by Prop 13) |
| Transfer tax | Transfer taxes vary by county and city and may be allocated by contract. Confirm the current amount with the title or escrow company. |
| Capital | Sacramento |
Loan programs available across California
FHA
3.5% down
Popular for first-time buyers statewide
VA
0% down
Strong VA usage across CA, especially near military bases
Jumbo
to $3M+
May apply when the requested loan exceeds the applicable county conforming limit
CalHFA
Up to $10K
California Housing Finance Agency first-time buyer assistance
Portfolio
Flexible
Bank statement, asset-based, P&L loans for self-employed borrowers
California cities we serve
Pick your city for California-specific market data, neighborhoods, and program availability.
Mortgages in California: common questions
Do you lend across all of California?
Yes. We are licensed statewide in California. Most closings happen in the Los Angeles, San Francisco, San Diego, Sacramento, Riverside, and Orange County metros, but we lend in every county.
What credit score do I need in California?
Conventional loans start at 620, FHA at 580 with 3.5% down, VA loans have no official minimum but most lenders want 580+. Higher credit scores help you qualify for better rates, especially on jumbo loans.
Does California offer down payment assistance?
Yes. CalHFA MyHome Assistance offers up to 3.5% of purchase price for first-time buyers in California. Plus CalHFA FHA and CalHFA VA programs. Income and purchase price limits apply.
When does a California loan require jumbo financing?
A jumbo loan is generally a mortgage above the applicable conforming loan limit. Whether financing is jumbo depends on the loan amount, county, occupancy, program, and the limit in effect when the loan is made.
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