{"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.","days":[{"pricedOn":"2026-11-04","firstRate":6.125,"firstRateApr":6.393,"firstRatePointsDollars":8528,"nearZeroRate":6.625,"nearZeroApr":6.707,"nearZeroPointsDollars":-732},{"pricedOn":"2026-11-03","firstRate":6.125,"firstRateApr":6.407,"firstRatePointsDollars":9096,"nearZeroRate":6.625,"nearZeroApr":6.717,"nearZeroPointsDollars":336},{"pricedOn":"2026-11-02","firstRate":6,"firstRateApr":6.383,"firstRatePointsDollars":14688,"nearZeroRate":6.625,"nearZeroApr":6.711,"nearZeroPointsDollars":-812},{"pricedOn":"2026-10-30","firstRate":6.125,"firstRateApr":6.407,"firstRatePointsDollars":8796,"nearZeroRate":6.625,"nearZeroApr":6.716,"nearZeroPointsDollars":-400}]}