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Current California Mortgage Rates!

Program Option Rate APR Lender Fees Discount Points Lender Credit
30-Year FixedZero Points5.875%5.887%$12750$0
Rebate6.00%6.00%$0.000$2500
Zero Cost6.125%%6.125%$1070$5000
15-Year FixedZero Points5.5%5.5%$0.000$0.00
Rebate5.75%5.753%$1740$2500
No Cost5.875%5.878%$1740$5000

Rates updated: November 30, 2025 2:03 PM PST

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Rates shown above are for this specific scenario. Click here to view scenario details.

The fee information provided is based on the Investor's published guidelines. In some cases, actual fees may vary due to individual agreements with the Investor, special product guidelines, or other factors not available at the time of application (e.g., Redraw Fees, Appraisal Inspection Fees). The fees displayed do not include all third-party fees that will impact the cash required at closing (e.g., Appraisal, Credit Report, Title Charges) and are limited to fees paid to the investor (Application Fee, Underwriting Fee, etc.) or their designated providers for services such as Flood Certification and Tax Service.

Questions? Email: info@axelfunding.com

Rates are subject to change without any notice.

Loan Scenario Details

×

Loan Scenario

Rate/Term Refinance
1,000,000
Fixed
30 Years Fixed
760
SFR
95014
Owner
2,500,000
US Citizen
43 %
12 Months
30 Days
40 %
Yes
0%

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$50,000

Are you working with a real estate agent?

Have you found a home yet?

What is your current loan balance?

$200,000

What is your estimated home value?

$400,000

How much cash would you like to take out?

$50,000

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You may qualify for a VA loan

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The team at Axel found us great rates, were fast with appraisal, document prep and always ready to jump on the phone to clarify any questions. This was our first time refinancing and their speed and responsiveness was very reassuring. I would highly recommend their services!
7 months ago

— Zillow Reviewer who closed on a conventional refinance loan.

I highly recommend Axel Real Estate and Home Loans Inc. because of their competitive rates, continuous updates, and streamlined process. I have worked with them numerous times. I have always been a happy customer in the end. They provide multiple lending options and discuss their pros/cons before locking in the final rate.
2 years ago

— Zillow Reviewer who closed on a conventional 30-year fixed-rate purchase loan.

We choose Axel Real Estate & Home Loans for re-financing, and I am very pleased by their service, the customer representatives were great and they were on top of it and always kept us in the loop. I highly recommend their service for any new or refinancing needs.
3 years ago

— Zillow Reviewer who closed on a conventional 30-year fixed-rate refinance loan.

Buying our first home mortgage dealing always looked complex, but Axel Homes made it feel like breeze. Most competitive rates, swift actions, regular status updates made our mortgage dealing a enjoyable one. Crystal clear communication & documentation made loan process smooth with minimum back and forth. Have mentally signed up with them for all future mortgage needs.
4 years ago

— Zillow Reviewer who closed on a purchase loan.

4.94 Stars β€’ 18 Reviews

View all 18 reviews.

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