How do rates work for CalHFA loans and where do you find them?
Unpublished
Where do I find rates for CalHFA loans?
CalHFA publishes rates daily. Scroll down to see today's rates.
You cannot lock a rate until you have an offer accepted and your lender locks it with CalHFA. Rates can be locked anytime between 8am and 3pm, but most lenders require an earlier cutoff time for you to request your lock to give them time to register the lock prior to the 3pm cutoff time.
My cutoff is 2:30 pm for me to enter the lock.
Rates are locked for 30 days (it says 60 days below, but the extra 30 days is for us to get the loan sold to CalHFA AFTER you get your keys).
Longer term locks are available.
CalHFA Loan Rates
Ready to Get Started?
Schedule a FREE one-on-one call with me or get started now by applying with our FREE online mobile app.
Recent Posts:
© 2026 John King | johnloanking.info
All rights reserved.
John King — Loan Consultant / Branch Manager
NMLS #453426 | Branch NMLS #2468578 | Company NMLS #3029
CrossCountry Mortgage, LLC
CrossCountry Mortgage, LLC does business in the State of New York as CrossCountry Financing. Licensed Mortgage Banker – NYS Department of Financial Services. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans are subject to underwriting approval. Certain restrictions may apply. Call for details. Certificate of Eligibility is required for VA loans.
NMLS Consumer Access: https://www.nmlsconsumeraccess.org
Equal Housing Opportunity
Privacy Policy | Terms & Conditions
