Licensed in California NMLS #299683

California Mortgage Rates & Home Loans — Real Pricing, Updated Daily

California is Take The Rate's home turf. Whether you're buying in San Diego, refinancing in Sacramento, or financing a rental in Riverside, you get the same thing: real rates published every morning, straight answers, and one licensed loan officer — not a call center.

Today's California Mortgage Rates

See the live rate sheet →

Real pricing published every morning on the rates page — the same transparent rates statewide.

Why Californians work with Travis

Home-state expertise — based in San Diego, lending across all of California since 2011
High-balance know-how — many CA counties carry elevated conforming limits; pricing the right bucket saves real money
Self-employed friendly — bank statement programs built for CA's freelance and small-business economy
24-hour pre-approvals — because in this market, slow offers lose houses

Buying in California right now

California prices make rate shopping matter more, not less: on a typical CA loan amount, an eighth of a point is real monthly money. That's why the rates here are published daily instead of hidden behind a quote form — you can watch them move and time your lock with actual information.

Competing with cash buyers and multiple offers? A tight pre-approval and a lender who picks up the phone on Saturday are worth more than any advertised rate. That's the practical edge a solo operator has over the big-bank queue.

Want your real California rate?

Personalized quote in 60 seconds. No credit pull, no obligation.

Get My Rate →

Every program, available in California

Conventional, FHA, VA, bank statement loans for the self-employed, DSCR loans for investors, and refinancing — all with the same daily-published rates and one loan officer from start to close.

California mortgage questions, answered straight

What are mortgage rates in California today?

Take The Rate publishes its actual California mortgage rates every morning — 30-year, 15-year, FHA, VA, bank statement, and DSCR — on its live rate sheet at taketherate.com/shop-rates.html. They are real prices, not advertising teasers.

Do you handle high-balance and jumbo loans?

Yes. Many California counties have conforming loan limits well above the national baseline, and high-balance and jumbo options are available for homes that exceed them. Ask for your county's current limit — it changes annually.

Can self-employed Californians qualify without tax returns?

Yes — bank statement loans qualify you on 12-24 months of deposits instead of tax returns, which suits California's large self-employed and small-business workforce.

How fast can I get pre-approved in a competitive market?

Usually within 24 hours. In competitive California markets a fast, fully-reviewed pre-approval letter can decide whose offer gets taken seriously.

Is Travis actually licensed in California?

Yes — NMLS #299683, verifiable at NMLS Consumer Access. California is Take The Rate's home state.

Travis Saling

Licensed Loan Officer · NMLS 299683 · 15+ years

I'm licensed in California and eight other states, and I answer my own phone. Tell me what you're working on and I'll give you a straight answer — even if that answer is "you don't need me for this one."

Disclaimer: This page is for informational purposes only and is not a commitment to lend or a guarantee of any specific rate, term, or approval. Rates change daily; program guidelines vary by lender and change without notice. All loans subject to credit approval, satisfactory appraisal, and clear title. Verify licensing at NMLS Consumer Access (#299683). Take The Rate · Equal Housing Lender.