Today’s mortgage rates

Compare today’s mortgage rates in Kern

Looking to compare purchase or refinance rate options in Bakersfield, Delano, Ridgecrest, Wasco, Arvin, Shafter, Tehachapi, Taft, McFarland, California City and other cities? Start by checking today’s mortgage rates. With a wide variety of loan options, you’ll find the monthly payment and terms to make your homebuying dreams a reality.

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Today’s 30-year fixed Purchase rates
Rate
APR
Today’s 30-year fixed Refinance rates
Rate
APR

These rates, APRs, monthly payments and points are current as of today and may change at any time. They assume you have a FICO® Score of 780+ and a specific down payment amount as noted below for each product. They also assume the loan is for a single-family home as your primary residence and you will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with a mortgage loan officer to learn more about mortgage points.

Purchase rates

Conventional Fixed Rate Loans

Conventional fixed-rate loans in the USA offer stable monthly payments with a constant interest rate over 15, 20, or 30 years. Borrowers typically need a down payment of 3-20% and may pay for private mortgage insurance. Credit score, closing costs, and property appraisal are key factors in securing these mortgages.

Term
Rate
APR
Monthly payment
Points
Term
30 - Year
Mo.payment
Rate
APR
POINTS
Term
20 - Year
Mo.payment
Rate
APR
POINTS
Term
15 - Year
Mo.payment
Rate
APR
POINTS
30 - Year
20 - Year
15 - Year
Assumptions: 780 Credit, $575,000 sales price, $431,250 loan amount, 75% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Conforming Adjustable Rate Mortgage (ARM) Loans

Adjustable rate loans feature fluctuating interest rates, initially lower than fixed rates. Borrowers benefit from lower initial payments but risk increases if rates rise, making them suitable for those comfortable with potential payment fluctuations.

Term
Rate
APR
Monthly payment
Points
Term
7/6 mo.
Mo.payment
Rate
APR
POINTS
7/6 mo.
Assumptions: 780 Credit, $575,000 sales price, $431,250 loan amount, 75% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Federal Housing Administration (FHA) Loans

FHA loans, backed by the Federal Housing Administration, offer low down payments (typically 3.5%) and are accessible to borrowers with lower credit scores. They require mortgage insurance premiums, providing options for those with less established credit.

Term
Rate
APR
Monthly payment
Points
Term
30 - Year
Mo.payment
Rate
APR
POINTS
30 - Year
Assumptions: 780 Credit, $350,000 sales price, $337,500 loan amount, 96.5% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Veteran Affairs (VA) Loans

VA loans, guaranteed by the Department of Veterans Affairs, provide benefits like no down payment and relaxed credit requirements to eligible service members, veterans, and their families. They offer competitive rates and exclude the need for mortgage insurance.

Term
Rate
APR
Monthly payment
Points
Term
30 - Year
Mo.payment
Rate
APR
POINTS
30 - Year
Assumptions: 780 Credit, $575,000 sales price, $575,000 loan amount, 100% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Jumbo Loans

Jumbo loans exceed conventional limits, suitable for high-cost properties. They often require larger down payments, have stricter credit requirements, and may carry higher interest rates due to non-conforming nature, ideal for buyers in high-value markets.

Term
Rate
APR
Monthly payment
Points
Term
30 - Year
Mo.payment
Rate
APR
POINTS
Term
20 - Year
Mo.payment
Rate
APR
POINTS
Term
15 - Year
Mo.payment
Rate
APR
POINTS
30 - Year
20 - Year
15 - Year
Assumptions: 780 Credit, $2,000,000 sales price, $1,500,000 loan amount, 75% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

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Refinance rates

Conventional Fixed rate loans

Conventional fixed-rate loans in the USA offer stable monthly payments with a constant interest rate over 15, 20, or 30 years. Borrowers typically need equity of 20% to avoid paying for private mortgage insurance. Credit score, closing costs, and property appraisal are key factors in securing these mortgages.

Term
Rate
APR
Monthly payment
Points
Term
30 - Year
Mo.payment
Rate
APR
POINTS
Term
20 - Year
Mo.payment
Rate
APR
POINTS
Term
15- Year
Mo.payment
Rate
APR
POINTS
30 - Year
20 - Year
15 - Year
Assumptions: 780 Credit, $575,000 sales price, $431,250 loan amount, 75% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Conforming Adjustable Rate Mortgage (ARM) Loans

Adjustable rate loans feature fluctuating interest rates, initially lower than fixed rates. Borrowers benefit from lower initial payments but risk increases if rates rise, making them suitable for those comfortable with potential payment fluctuations.

Term
Rate
APR
Monthly payment
Points
Term
7/6 mo.
Mo.payment
Rate
APR
POINTS
7/6 mo.
Assumptions: 780 Credit, $575,000 sales price, $431,250 loan amount, 75% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Federal Housing Administration (FHA) Loans

FHA loans, backed by the Federal Housing Administration, offer low down payments (typically 3.5%) and are accessible to borrowers with lower credit scores. They require mortgage insurance premiums, providing options for those with less established credit.

Term
Rate
APR
Monthly payment
Points
Term
30 - Year
Mo.payment
Rate
APR
POINTS
30 - Year
Assumptions: 780 Credit, $350,000 sales price, $337,500 loan amount, 96.5% loan-to-value Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Veteran Affairs (VA) Loans

VA loans, guaranteed by the Department of Veterans Affairs, provide benefits like no down payment and relaxed credit requirements to eligible service members, veterans, and their families. They offer competitive rates and exclude the need for mortgage insurance.

Term
Rate
APR
Monthly payment
Points
Term
30 - Year
Mo.payment
Rate
APR
POINTS
30 - Year
Assumptions: 780 Credit, $575,000 sales price, $575,000 loan amount, 100% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Jumbo Loans

Jumbo loans exceed conventional limits, suitable for high-cost properties. They often require larger down payments, have stricter credit requirements, and may carry higher interest rates due to non-conforming nature, ideal for buyers in high-value markets.

Term
Rate
APR
Monthly payment
Points
Term
30 - Year
Mo.payment
Rate
APR
POINTS
Term
20 - Year
Mo.payment
Rate
APR
POINTS
Term
15 - Year
Mo.payment
Rate
APR
POINTS
30 - Year
20 - Year
15 - Year
Assumptions: 780 Credit, $2,000,000 sales price, $1,500,000 loan amount, 75% loan-to-value. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.