California Mortgage Market Trends
Your portal to current market trends — rate context and CA-specific guides, updated as conditions change.
Rate Overview
Where rates and limits stand right now
A quick-reference snapshot of the numbers that shape most California loan quotes. Use the calculator on the homepage to run your own scenario.
Sample 30-Year FixedAround 6.62% for a well-qualified borrower on a conforming loan. Your actual rate depends on credit, down payment, and property type.
CA Conforming Limits 2026$766,550 baseline. High-cost counties (LA, SF, OC) up to $1,149,825. Above that = jumbo with stricter guidelines.
Non-QM Rate PremiumBank statement and DSCR loans typically run 0.5–1.5% above conventional pricing, reflecting a different underwriting model.
Rate Lock Window30–60 day locks are standard. Lock when the payment works for you — not when trying to time a market bottom.
Latest Rate Guides
Rate-focused reading
Plain-English breakdowns of what actually moves California mortgage rates.
Important Disclosures. Mettkey is not a mortgage lender, broker, or mortgage company. Information provided is for educational purposes only and does not constitute financial, legal, or lending advice. Rates shown are for educational reference — contact a licensed lender for personalized quotes. All programs and rates subject to change. No guarantee of loan approval, rate, or terms is made or implied. Shiva T. Mettke | CA DRE #02251909 | NMLS #2779492.