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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.787%APR 6.793% | 0 pts$0 | $3,278/moP&I $3,278 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.961%APR 6.703% | 0 pts$0 | $3,293/moP&I $3,059 · MI $235 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.840%APR 5.849% | 0 pts$0 | $2,967/moP&I $2,967 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.456%APR 6.462% | 0 pts$0 | $3,168/moP&I $3,168 · MI $0 | See details |
| Investment Property FixedConforming | 7.511%APR 7.518% | 0 pts$0 | $3,524/moP&I $3,524 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.840% | 5.849% | 0 pts ($0) | $4,205/mo | $82,519 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.839% | 5.849% | 0 pts ($0) | $5,256/mo | $115,403 |
Condo 10% Down | 10% | 720 credit score | 6.980% | 7.113% | 0 pts ($0) | $3,761/mo | $131,223 |
Conventional 10% Down | 10% | 720 credit score | 6.431% | 6.555% | 0 pts ($0) | $3,554/mo | $121,857 |
Conventional 20% Down | 20% | 740 credit score | 6.787% | 6.793% | 0 pts ($0) | $3,278/mo | $100,876 |
Conventional 5% Down | 5% | 700 credit score | 6.915% | 7.358% | 0 pts ($0) | $3,944/mo | $137,342 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.275% | 7.281% | 0 pts ($0) | $4,304/mo | $147,626 |
Conventional High Balance | 10% | 740 credit score | 6.972% | 6.976% | 0 pts ($0) | $3,758/mo | $127,688 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.470% | 6.806% | 0 pts ($0) | $3,847/mo | $137,546 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.456% | 6.462% | 0 pts ($0) | $3,960/mo | $132,095 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,193/mo | $123,821 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.961% | 6.703% | 0 pts ($0) | $3,689/mo | $129,278 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,813/mo | $133,486 |
FHA Streamline Refi | 0% | 640 credit score | 5.961% | 6.703% | 0 pts ($0) | $3,823/mo | $133,967 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.888% | 7.099% | 0 pts ($0) | $3,933/mo | $142,237 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,937/mo | $77,089 |
Investment Property 25% Down | 25% | 740 credit score | 7.511% | 7.518% | 0 pts ($0) | $3,304/mo | $104,876 |
Jumbo Conforming | 20% | 760 credit score | 6.751% | 6.755% | 0 pts ($0) | $3,266/mo | $100,330 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,659/mo | $112,206 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 5.970% | 6.712% | 0 pts ($0) | $3,693/mo | $129,445 |
Second Home 10% Down | 10% | 720 credit score | 5.973% | 6.519% | 0 pts ($0) | $3,386/mo | $114,057 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,311/mo | $102,348 |
VA 0% Down | 0% | 700 credit score | 5.983% | 6.199% | 0 pts ($0) | $3,847/mo | $126,785 |
VA Cash-Out Refi | 0% | 640 credit score | 5.989% | 6.328% | 0 pts ($0) | $3,850/mo | $126,901 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.996% | 6.121% | 0 pts ($0) | $3,853/mo | $127,036 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,463/mo | $109,558 |
Frequently Asked Questions
What are today's mortgage rates in 90001, Florence-Graham, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 90001, Florence-Graham, CA is 6.787% (with an estimated monthly payment of $3,490). Active program rates also include FHA 30-year fixed loans at 5.961% and VA 0%-down fixed loans at 5.983%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 90001, Florence-Graham, CA?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 90001, Florence-Graham, CA have fluctuated between a low of 6.440% and a high of 6.900%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 90001, Florence-Graham, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $629,344 in 90001, Florence-Graham, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $125,869 but keeps your monthly payment lower at $3,490/mo (at 6.787% interest) with no monthly PMI. In comparison, an FHA loan requires only $22,027 (3.5% down) but has an estimated payment of $3,928/mo (at 5.961% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $607,317 falls comfortably within the local HUD FHA loan limit of $723,746 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 90001 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 90001 is $806,501. With a typical local home value of $629,344 in Florence-Graham, a standard 20%-down mortgage requires a loan size of $503,475. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 90001, Florence-Graham, CA impact estimated mortgage payments?
The median home value in 90001, Florence-Graham, CA is estimated at $629,344. Buying a typical home here with a standard 20% down payment ($125,869) translates to an estimated starting monthly mortgage payment of $3,490 (principal and interest). Compared to the local area median household income of $61,120 ($5,093/mo), this basic housing payment represents approximately 68.5% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.