Home state: California
    Lends in 1 state

    F & A mortgage rates

    F & A's lowest publicly advertised 30-year fixed rate today is 6.878% APR — the national average is 7.147%. That's about $26,028 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read F & A's rates every weekday, starting around 11 a.m. Central.

    We last read F & A's rates page on Nov 2, 2026.

    Today's rates from F & A

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.878%0Nov 2, 2026Visit
    20 Year Fixed6.75%6.752%0Nov 2, 2026Visit
    15 Year Fixed6.375%6.376%0Nov 2, 2026Visit
    5 Year ARM5.5%6.447%0Nov 2, 2026Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join F & A

    Membership is available to employees of the Los Angeles County Fire Department, several California city governments, and members of the Los Angeles County Fire Museum. Immediate family members of current members are also eligible to join.

    Employer
    Los Angeles County Fire Department
    Association / SEG
    Los Angeles County Fire Museum

    Where F & A writes mortgages

    F & A publishes mortgage lending in 1 state.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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