new loan programs

California home buyers 2026 - new loan opportunities, down payment assistance programs, and lower mortgage rates for first-time buyers

California Home Buyers: New Loan Opportunities + Lower Rates

Mortgage rates are giving California home buyers a real opening in early 2026. Freddie Mac’s weekly survey shows the average 30-year fixed at 6.06% as of January 15, 2026—the lowest level in more than three years—improving affordability and pulling more buyers back into the market.At the same time, California buyers are seeing renewed momentum in down-payment assistance programs that can reduce the...