Home state: California

    F & A mortgage rates

    F & A's lowest publicly advertised 30-year fixed rate today is 6.5% — the national average is 6.88%. That's about $36,281 saved over the life of a $400,000, 30-year loan. We track F & A daily and refresh rates every morning.

    Today's rates from F & A

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.5%6.501%0Sep 11, 2026Visit
    20 Year Fixed6.375%6.376%0Sep 11, 2026Visit
    15 Year Fixed5.875%5.876%0Sep 11, 2026Visit
    10 Year Fixed5.75%5.751%0Sep 11, 2026Visit

    Rate history

    Lowest daily rate F & A advertised for each product, 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

    Lending states not published; shown as serving its chartered area. Confirm directly with F & A.

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

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