How do rates work for CalHFA loans and where do you find them?
Saturday, January 25, 2025
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
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All information is for educational purposes only and is not a commitment to lend. Program guidelines, eligibility requirements, and availability—including down-payment assistance and CalHFA programs—can change at any time. Not all applicants will qualify. Please speak with me for personalized guidance.
