{"publisher":"RateVerdict","state":"California","page":"https://rateverdict.com/mortgage-rates/california","methodology":"https://rateverdict.com/methodology","license":"https://rateverdict.com/terms","scenario":"$400,000 30-year fixed refinance with 780 or higher credit, California property","notice":"Priced for one named scenario from live lender rate sheets. Not a rate lock or an offer to lend.","payments":"Monthly payments shown are principal and interest only, for 360 monthly payments on a $400,000 loan at the rate shown. They do not include taxes, homeowners insurance or mortgage insurance, so the actual monthly payment will be greater.","pricedOn":"2026-11-04","pricedAt":"2026-11-04T17:01:42.646+00:00","rows":[{"rate":6.125,"apr":6.393,"points":2.132,"pointsDollars":8528,"monthlyPI":2430},{"rate":6.25,"apr":6.48,"points":1.685,"pointsDollars":6740,"monthlyPI":2463},{"rate":6.375,"apr":6.538,"points":0.914,"pointsDollars":3656,"monthlyPI":2495},{"rate":6.5,"apr":6.617,"points":0.397,"pointsDollars":1588,"monthlyPI":2528},{"rate":6.625,"apr":6.707,"points":-0.183,"pointsDollars":-732,"monthlyPI":2561},{"rate":6.75,"apr":6.836,"points":-0.618,"pointsDollars":-2472,"monthlyPI":2594},{"rate":6.875,"apr":6.963,"points":-1.19,"pointsDollars":-4760,"monthlyPI":2628},{"rate":7,"apr":7.09,"points":-1.627,"pointsDollars":-6508,"monthlyPI":2661},{"rate":7.125,"apr":7.216,"points":-2.05,"pointsDollars":-8200,"monthlyPI":2695},{"rate":7.25,"apr":7.343,"points":-2.162,"pointsDollars":-8648,"monthlyPI":2729},{"rate":7.375,"apr":7.469,"points":-2.658,"pointsDollars":-10632,"monthlyPI":2763},{"rate":7.5,"apr":7.586,"points":-3.086,"pointsDollars":-12344,"monthlyPI":2794}]}