November 3 2025 04:31PM (Pacific Time)
            Data below is effective as of
            November 3 2025 07:55AM (Pacific Time)
            
            Information on this page is intended for CalHFA-approved lenders.
        
        
            Please be assured that CalHFA is open and accepting reservations during this time. An “N/A” interest rate is a result of market volatility and changing interest rates. An interest rate may temporarily not be available for any given loan program. Please continue to check this page as rates move throughout the day and from day to day. Lenders can still reserve loans or extend existing rate locks on any loan program with an “N/A.”
        
        
        
            
                
                    CalHFA Conventional First Mortgage Loan Programs
                 
                
             
            
            
            
                    
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.937%
                             
                            
                            
                                
                                    High Balance LI Loan Limit Fee: 0.934%
                                
                             
                         
                        
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.987%
                             
                            
                            
                                
                                    High Balance LI Loan Limit Fee: 0.937%
                                
                             
                         
                        
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.500%
                             
                            
                            
                                
                                    High Balance LI Loan Limit Fee: N/A
                                
                             
                         
                        
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.500%
                             
                            
                            
                                
                                    High Balance LI Loan Limit Fee: N/A
                                
                             
                         
                        
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 1.563%
                             
                            
                            
                                
                                    High Balance LI Loan Limit Fee: 1.563%
                                
                             
                         
                        
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 2.249%
                             
                            
                            
                                
                                    High Balance LI Loan Limit Fee: 2.249%
                                
                             
                         
                        
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.987%
                             
                            
                            
                                
                                    High Balance LI Loan Limit Fee: 0.937%
                                
                             
                         
                        
                        
                     
                
                
         
        
        
            
                
                    CalHFA Government First Mortgage Loan Programs
                 
                
                
             
            
            
            
                    
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.481%
                             
                         
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.500%
                             
                         
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.500%
                             
                         
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.700%
                             
                         
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 1.137%
                             
                         
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.481%
                             
                         
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.481%
                             
                         
                        
                     
                
                
            
            
                
                    CalHFA Refinance Loan Programs
                 
                
             
            
            
                    
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.481%
                             
                         
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.987%
                             
                         
                        
                     
                
                    
                        
                            
                            
                                High Balance Loan Limit Fee: 0.987%
                             
                         
                        
                     
                
                
            
            
                
                    CalHFA Subordinate Loan Programs
                 
                
                
             
            
            
            
                    
                    
                
                    
                
                    
                
                
            
         
        
     
    
        
        All posted interest  rates are in effect on the date listed: All rates shown are subject to change  without notice. CalHFA does not lend money directly to consumers. CalHFA works  through and uses approved private lenders to qualify consumers and to make all  mortgage loans. 
        For sample APRs, click here.