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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 | 5.956%APR 6.928% | 0 pts$0 | $6,642/moP&I $6,168 · MI $474 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr FixedJumbo | 7.000%APR 7.032% | 0 pts$0 | $6,758/moP&I $6,758 · 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 | 5.830% | 5.875% | 0 pts ($0) | $8,479/mo | $166,200 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.878% | 5.933% | 0 pts ($0) | $10,632/mo | $234,274 |
Condo 10% Down | 10% | 720 credit score | 6.975% | 7.136% | 0 pts ($0) | $7,584/mo | $264,589 |
Conventional 10% Down | 10% | 720 credit score | 6.480% | 6.631% | 0 pts ($0) | $7,208/mo | $247,550 |
Conventional 20% Down | 20% | 740 credit score | 6.789% | 6.821% | 0 pts ($0) | $6,615/mo | $203,593 |
Conventional 5% Down | 5% | 700 credit score | 6.921% | 7.393% | 0 pts ($0) | $7,962/mo | $277,326 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.199% | 7.234% | 0 pts ($0) | $8,618/mo | $294,945 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $7,602/mo | $258,559 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $8,099/mo | $292,876 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.920% | 6.976% | 0 pts ($0) | $8,380/mo | $284,265 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $10,478/mo | $249,826 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.956% | 6.928% | 0 pts ($0) | $7,440/mo | $260,649 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,693/mo | $269,326 |
FHA Streamline Refi | 0% | 640 credit score | 6.077% | 7.051% | 0 pts ($0) | $7,810/mo | $274,801 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.895% | 7.134% | 0 pts ($0) | $7,941/mo | $287,237 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $7,944/mo | $155,537 |
Investment Property 25% Down | 25% | 740 credit score | 7.462% | 7.499% | 0 pts ($0) | $6,634/mo | $210,194 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $6,758/mo | $210,052 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $7,383/mo | $226,391 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.416% | 7.396% | 0 pts ($0) | $7,812/mo | $277,895 |
Second Home 10% Down | 10% | 720 credit score | 7.457% | 7.627% | 0 pts ($0) | $7,957/mo | $281,203 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $6,679/mo | $206,501 |
VA 0% Down | 0% | 700 credit score | 6.049% | 6.290% | 0 pts ($0) | $7,818/mo | $258,379 |
VA Cash-Out Refi | 0% | 640 credit score | 6.055% | 6.421% | 0 pts ($0) | $7,823/mo | $258,613 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.917% | 6.064% | 0 pts ($0) | $7,708/mo | $253,235 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $6,987/mo | $221,050 |
Frequently Asked Questions
What are today's mortgage rates in 91214, La Crescenta-Montrose, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 91214, La Crescenta-Montrose, CA is 6.789% (with an estimated monthly payment of $4,551). Active program rates also include FHA 30-year fixed loans at 5.956% and VA 0%-down fixed loans at 6.049%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 91214, 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 91214, La Crescenta-Montrose, CA have fluctuated between a low of 6.408% and a high of 6.866%. 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 91214, La Crescenta-Montrose, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $1,269,791 in 91214, La Crescenta-Montrose, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $253,958 but keeps your monthly payment lower at $4,551/mo (at 6.789% interest) with no monthly PMI. In comparison, an FHA loan requires only $44,443 (3.5% down) but has an estimated payment of $5,119/mo (at 5.956% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $1,225,348 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 91214 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 91214 is $806,501. With a typical local home value of $1,269,791 in La Crescenta-Montrose, a standard 20%-down mortgage requires a loan size of $1,015,833. 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 91214, La Crescenta-Montrose, CA impact estimated mortgage payments?
The median home value in 91214, La Crescenta-Montrose, CA is estimated at $1,269,791. Buying a typical home here with a standard 20% down payment ($253,958) translates to an estimated starting monthly mortgage payment of $4,551 (principal and interest). Compared to the local area median household income of $136,917 ($11,410/mo), this basic housing payment represents approximately 39.9% 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.