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
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 FixedJumbo | 5.943%APR 6.915% | 0 pts$0 | $5,784/moP&I $5,370 · MI $413 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr FixedJumbo | 7.000%APR 7.032% | 0 pts$0 | $5,893/moP&I $5,893 · 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 | 5.819% | 5.863% | 0 pts ($0) | $7,388/mo | $144,636 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.835% | 5.881% | 0 pts ($0) | $9,245/mo | $202,897 |
Condo 10% Down | 10% | 720 credit score | 6.964% | 7.125% | 0 pts ($0) | $6,605/mo | $230,377 |
Conventional 10% Down | 10% | 720 credit score | 6.598% | 6.751% | 0 pts ($0) | $6,363/mo | $219,390 |
Conventional 20% Down | 20% | 740 credit score | 6.780% | 6.812% | 0 pts ($0) | $5,763/mo | $177,282 |
Conventional 5% Down | 5% | 700 credit score | 6.064% | 6.986% | 0 pts ($0) | $6,350/mo | $214,681 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.171% | 7.205% | 0 pts ($0) | $7,494/mo | $256,241 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $6,629/mo | $225,450 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $7,062/mo | $255,372 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.457% | 6.488% | 0 pts ($0) | $6,967/mo | $232,424 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $9,136/mo | $217,835 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.943% | 6.915% | 0 pts ($0) | $6,478/mo | $226,847 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,708/mo | $234,838 |
FHA Streamline Refi | 0% | 640 credit score | 6.061% | 7.035% | 0 pts ($0) | $6,799/mo | $239,070 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.348% | 7.597% | 0 pts ($0) | $7,245/mo | $264,822 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $6,927/mo | $135,620 |
Investment Property 25% Down | 25% | 740 credit score | 7.450% | 7.486% | 0 pts ($0) | $5,778/mo | $182,977 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $5,893/mo | $183,154 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $6,438/mo | $197,401 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.402% | 7.382% | 0 pts ($0) | $6,802/mo | $241,851 |
Second Home 10% Down | 10% | 720 credit score | 5.952% | 6.672% | 0 pts ($0) | $5,944/mo | $200,028 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,824/mo | $180,058 |
VA 0% Down | 0% | 700 credit score | 6.033% | 6.274% | 0 pts ($0) | $6,805/mo | $224,749 |
VA Cash-Out Refi | 0% | 640 credit score | 6.038% | 6.403% | 0 pts ($0) | $6,809/mo | $224,919 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.050% | 6.199% | 0 pts ($0) | $6,817/mo | $225,327 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $6,093/mo | $192,743 |
Frequently Asked Questions
What are today's mortgage rates in 91020, La Crescenta-Montrose, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 91020, La Crescenta-Montrose, CA is 6.780% (with an estimated monthly payment of $5,021). Active program rates also include FHA 30-year fixed loans at 5.943% and VA 0%-down fixed loans at 6.033%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 91020, La Crescenta-Montrose, 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 91020, La Crescenta-Montrose, CA have fluctuated between a low of 6.399% and a high of 6.857%. 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 91020, La Crescenta-Montrose, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $1,107,189 in 91020, La Crescenta-Montrose, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $221,438 but keeps your monthly payment lower at $5,021/mo (at 6.780% interest) with no monthly PMI. In comparison, an FHA loan requires only $38,752 (3.5% down) but has an estimated payment of $5,645/mo (at 5.943% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $1,068,437 falls comfortably within the local HUD FHA loan limit of $1,209,750 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 91020 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 91020 is $806,501. With a typical local home value of $1,107,189 in La Crescenta-Montrose, a standard 20%-down mortgage requires a loan size of $885,751. Since this exceeds the conforming limit of $806,501, most typical transactions in La Crescenta-Montrose 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 91020, La Crescenta-Montrose, CA impact estimated mortgage payments?
The median home value in 91020, La Crescenta-Montrose, CA is estimated at $1,107,189. Buying a typical home here with a standard 20% down payment ($221,438) translates to an estimated starting monthly mortgage payment of $5,021 (principal and interest). Compared to the local area median household income of $102,705 ($8,559/mo), this basic housing payment represents approximately 58.7% 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.