Select your Scenario
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
Exceeds $806,501 conforming limit
Exceeds local FHA limit of $1,209,750
Requires veteran or military eligibility
Exceeds $806,501 conforming limit
Exceeds $806,501 conforming limit
Exceeds $806,501 conforming limit
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| FHA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr FixedJumbo | 6.975%APR 7.007% | 0 pts$0 | $11,115/moP&I $11,115 · MI $0 | See details |
| 15-Year Conforming Fixed Doesn't Apply | — | — | — | Ineligible |
| Refinance 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Investment Property Fixed Doesn't Apply | — | — | — | Ineligible |
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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 | 6.325% | 6.372% | 0 pts ($0) | $14,429/mo | $298,044 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.808% | 5.852% | 0 pts ($0) | $17,450/mo | $382,023 |
Condo 10% Down | 10% | 720 credit score | 7.378% | 7.546% | 0 pts ($0) | $13,018/mo | $459,144 |
Conventional 10% Down | 10% | 720 credit score | 6.561% | 6.713% | 0 pts ($0) | $11,985/mo | $412,745 |
Conventional 20% Down | 20% | 740 credit score | 6.991% | 7.023% | 0 pts ($0) | $11,133/mo | $345,871 |
Conventional 5% Down | 5% | 700 credit score | 6.021% | 6.942% | 0 pts ($0) | $11,951/mo | $403,369 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.527% | 7.562% | 0 pts ($0) | $14,677/mo | $507,012 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $12,535/mo | $426,302 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $13,353/mo | $482,882 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.435% | 6.465% | 0 pts ($0) | $13,143/mo | $438,103 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $17,276/mo | $411,903 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.914% | 6.885% | 0 pts ($0) | $12,211/mo | $427,154 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $12,684/mo | $444,054 |
FHA Streamline Refi | 0% | 640 credit score | 6.021% | 6.994% | 0 pts ($0) | $12,800/mo | $449,495 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.313% | 7.561% | 0 pts ($0) | $13,653/mo | $498,652 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $13,098/mo | $256,444 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.685% | 0 pts ($0) | $11,114/mo | $354,285 |
Jumbo Conforming | 20% | 760 credit score | 6.975% | 7.007% | 0 pts ($0) | $11,115/mo | $345,064 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $12,173/mo | $373,265 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.372% | 7.350% | 0 pts ($0) | $12,821/mo | $455,460 |
Second Home 10% Down | 10% | 720 credit score | 5.914% | 6.632% | 0 pts ($0) | $11,193/mo | $376,081 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $11,013/mo | $340,470 |
VA 0% Down | 0% | 700 credit score | 6.067% | 6.143% | 0 pts ($0) | $12,914/mo | $427,162 |
VA Cash-Out Refi | 0% | 640 credit score | 6.067% | 6.143% | 0 pts ($0) | $12,914/mo | $427,162 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.067% | 6.143% | 0 pts ($0) | $12,914/mo | $427,162 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $11,520/mo | $364,458 |
Frequently Asked Questions
What are today's mortgage rates in 91011, La Ca�Ada Flintridge, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 91011, La Ca�Ada Flintridge, CA is 6.991% (with an estimated monthly payment of $8,303). Active program rates also include FHA 30-year fixed loans at 5.914% and VA 0%-down fixed loans at a benchmark rate. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 91011, La Ca�Ada Flintridge, 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 91011, La Ca�Ada Flintridge, CA have fluctuated between a low of 6.886% and a high of 7.136%. 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 91011, La Ca�Ada Flintridge, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $2,093,579 in 91011, La Ca�Ada Flintridge, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $418,716 but keeps your monthly payment lower at $8,303/mo (at 6.991% interest) with no monthly PMI. In comparison, an FHA loan requires only $73,275 (3.5% down) but has an estimated payment of $7,550/mo (at 5.914% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $2,020,304 exceeds the local HUD FHA limit of $1,209,750 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 91011 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 91011 is $806,501. With a typical local home value of $2,093,579 in La Ca�Ada Flintridge, a standard 20%-down mortgage requires a loan size of $1,674,863. Since this exceeds the conforming limit of $806,501, most typical transactions in La Ca�Ada Flintridge require a non-conforming Jumbo loan, which demands stricter underwriting guidelines, higher credit scores, and larger asset reserves.
How does the median home value in 91011, La Ca�Ada Flintridge, CA impact estimated mortgage payments?
The median home value in 91011, La Ca�Ada Flintridge, CA is estimated at $2,093,579. Buying a typical home here with a standard 20% down payment ($418,716) translates to an estimated starting monthly mortgage payment of $8,303 (principal and interest). Compared to the local area median household income of $231,504 ($19,292/mo), this basic housing payment represents approximately 43.0% 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.