California mortgage blog - rate updates tips and homebuyer guides

Ryan Van Til · Pacific Trust Mortgage

Market Insights & Rate Updates

Stay informed with the latest mortgage rate trends, homebuying tips, and investor strategies from Southern California and the Central Coast.

Rate Snapshot

Typical Rate Ranges

Illustrative ranges for popular loan programs, estimated from the Freddie Mac weekly national average. Not a quote. Your actual rate and APR depend on your financial profile.

Conventional 30yr

6.88% - 7.38%

FHA 30yr

6.63% - 7.13%

VA 30yr

6.63% - 7.13%

Jumbo 30yr

7.25% - 7.75%

DSCR

7.88% - 8.88%

Bank Statement

8.13% - 9.13%

Ranges as of the Freddie Mac survey dated November 5, 2026. These are illustrative interest rate ranges, not APRs, and not an offer or commitment to lend. FHA, VA, jumbo, DSCR and bank statement ranges are estimated by applying typical spreads to the conventional 30-year average. Ranges assume a 30-year fixed term on an owner-occupied home (investment property for DSCR). The Freddie Mac average reflects conventional conforming loans for borrowers with excellent credit and 20% down (80% loan-to-value), and pricing may include discount points. The APR will be higher than the interest rate because it includes financing costs, and APR and terms vary by borrower. Subject to credit approval; rates and programs change daily without notice. Get a rate estimate (opens in new tab).

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