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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
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 | 5.935%APR 6.907% | 0 pts$0 | $5,900/moP&I $5,478 · MI $422 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr FixedJumbo | 7.000%APR 7.032% | 0 pts$0 | $6,016/moP&I $6,016 · 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 | 5.812% | 5.856% | 0 pts ($0) | $7,540/mo | $147,486 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.824% | 5.869% | 0 pts ($0) | $9,432/mo | $206,792 |
Condo 10% Down | 10% | 720 credit score | 6.957% | 7.117% | 0 pts ($0) | $6,739/mo | $234,993 |
Conventional 10% Down | 10% | 720 credit score | 6.590% | 6.742% | 0 pts ($0) | $6,491/mo | $223,745 |
Conventional 20% Down | 20% | 740 credit score | 6.774% | 6.806% | 0 pts ($0) | $5,880/mo | $180,836 |
Conventional 5% Down | 5% | 700 credit score | 6.053% | 6.975% | 0 pts ($0) | $6,475/mo | $218,827 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.152% | 7.186% | 0 pts ($0) | $7,636/mo | $260,967 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $6,768/mo | $230,177 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $7,210/mo | $260,726 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.496% | 6.527% | 0 pts ($0) | $7,142/mo | $238,624 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $9,328/mo | $222,402 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.935% | 6.907% | 0 pts ($0) | $6,608/mo | $231,337 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,849/mo | $239,762 |
FHA Streamline Refi | 0% | 640 credit score | 6.050% | 7.024% | 0 pts ($0) | $6,933/mo | $243,702 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.343% | 7.592% | 0 pts ($0) | $7,394/mo | $270,213 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $7,072/mo | $138,464 |
Investment Property 25% Down | 25% | 740 credit score | 7.442% | 7.478% | 0 pts ($0) | $5,894/mo | $186,609 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $6,016/mo | $186,995 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $6,573/mo | $201,540 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.393% | 7.372% | 0 pts ($0) | $6,938/mo | $246,622 |
Second Home 10% Down | 10% | 720 credit score | 5.943% | 6.663% | 0 pts ($0) | $6,062/mo | $203,947 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,946/mo | $183,833 |
VA 0% Down | 0% | 700 credit score | 6.022% | 6.263% | 0 pts ($0) | $6,939/mo | $229,080 |
VA Cash-Out Refi | 0% | 640 credit score | 6.027% | 6.392% | 0 pts ($0) | $6,943/mo | $229,253 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.038% | 6.187% | 0 pts ($0) | $6,951/mo | $229,635 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $6,220/mo | $196,785 |
Frequently Asked Questions
What are today's mortgage rates in 91021, La Crescenta-Montrose, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 91021, La Crescenta-Montrose, CA is 6.774% (with an estimated monthly payment of $5,391). Active program rates also include FHA 30-year fixed loans at 5.935% and VA 0%-down fixed loans at 6.022%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 91021, 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 91021, La Crescenta-Montrose, CA have fluctuated between a low of 6.392% and a high of 6.851%. 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 91021, La Crescenta-Montrose, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $1,130,404 in 91021, La Crescenta-Montrose, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $226,081 but keeps your monthly payment lower at $5,391/mo (at 6.774% interest) with no monthly PMI. In comparison, an FHA loan requires only $39,564 (3.5% down) but has an estimated payment of $6,059/mo (at 5.935% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $1,090,840 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 91021 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 91021 is $806,501. With a typical local home value of $1,130,404 in La Crescenta-Montrose, a standard 20%-down mortgage requires a loan size of $904,323. 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 91021, La Crescenta-Montrose, CA impact estimated mortgage payments?
The median home value in 91021, La Crescenta-Montrose, CA is estimated at $1,130,404. Buying a typical home here with a standard 20% down payment ($226,081) translates to an estimated starting monthly mortgage payment of $5,391 (principal and interest). Compared to the local area median household income of $75,682 ($6,307/mo), this basic housing payment represents approximately 85.5% 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.