Current Mortgage Rates in Anaheim, California: July 2025 Update | The Lending Mamba

Current Rates in Anaheim (as of July 2025)

According to trusted sources like Zillow and Bankrate, here’s where mortgage rates currently stand:

30-Year Fixed: 6.70% – 6.78%

15-Year Fixed: 5.75% – 5.79%

5-Year ARM (Adjustable-Rate Mortgage): Around 7.53%

Rates for other loan types, including 20-year fixed, 10-year fixed, and other ARMs, are available through providers like copyright. These additional loan types may offer more flexibility for those with unique financial needs or short-term homeownership plans.

It’s important to keep in mind that mortgage rates can change frequently based on market conditions, economic indicators, and Federal Reserve decisions. What you see today might shift tomorrow, so locking in a favorable rate at the right time can make a significant difference in your long-term costs.

What You Should Know Beyond Just Rates

At The Lending Mamba, we don’t just throw numbers at you — we help you understand what matters behind the rates:

1. APR (Annual Percentage Rate)

APR includes fees and closing costs, not just the interest rate. A lower APR could save you more in the long run, even if the rate looks higher at first glance. It gives you the true cost of borrowing and allows for better comparisons across lenders.

2. Points

You can buy down your rate by paying points upfront. Each point typically costs 1% of the loan amount and reduces your interest rate. Compare offers with and without points to see what works for your budget and long-term plans.

3. Credit Score Impact

Your credit score plays a huge role. A higher score can unlock lower rates — so check and improve your score before applying. Paying down debt, avoiding late payments, and correcting errors on your credit report can all help boost your score.

4. Loan Type Matters

Not all loans are created equal. Fixed-rate loans offer long-term stability and are great for buyers planning to stay put, while ARMs can offer lower rates upfront but may increase over time — which might be risky if you don’t plan to sell or refinance soon. Jumbo loans, which exceed conforming loan limits, often carry slightly higher rates and require stronger qualifications.

5. Lender Differences

Each lender offers slightly different rates, terms, and fee structures. That’s why it’s smart to shop around and compare — and we’re here to help you do that efficiently. Comparing at least 3-5 lenders could result in thousands of dollars saved over the life of the loan.

Ready to Lock in a Great Rate?

Whether you’re a first-time buyer, refinancing, or exploring a jumbo loan, The Lending Mamba is here to guide you every step of the way.

We don’t just quote rates — we work to understand your financial goals and help match you with the loan product that’s right for your unique situation. With personalized service, expert advice, and a commitment to transparency, we make the mortgage process as smooth and stress-free as possible.

Call us today at 657-777-0024
Visit thelendingmamba.com
Email: [email protected]

Your future home deserves the right loan — and we’re here to make it happen.