My wife and I are in the process of purchasing a new build and in the midst of negotiating with our broker for a loan. We were quoted 4% for a 30 years fixed with no discount points or origination fees. I feel this is still quite a bit higher than the national average (3.6-3.7%). We live in Central CA. I was curious if anyone has recently purchased a home in CA and what were they quoted for the rates. Any advice would be helpful. Thank you.

S Loo