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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 | 6.886%APR 6.922% | 0 pts$0 | $2,261/moP&I $2,261 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.024%APR 6.794% | 0 pts$0 | $2,263/moP&I $2,102 · MI $160 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.971%APR 6.021% | 0 pts$0 | $2,055/moP&I $2,055 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.916%APR 6.952% | 0 pts$0 | $2,268/moP&I $2,268 · MI $0 | See details |
| Investment Property FixedConforming | 7.604%APR 7.645% | 0 pts$0 | $2,428/moP&I $2,428 · 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 | 5.971% | 6.021% | 0 pts ($0) | $2,895/mo | $57,644 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.930% | 5.980% | 0 pts ($0) | $3,610/mo | $79,924 |
Condo 10% Down | 10% | 720 credit score | 7.123% | 7.290% | 0 pts ($0) | $2,605/mo | $91,261 |
Conventional 10% Down | 10% | 720 credit score | 6.581% | 6.736% | 0 pts ($0) | $2,465/mo | $84,946 |
Conventional 20% Down | 20% | 740 credit score | 6.886% | 6.922% | 0 pts ($0) | $2,261/mo | $69,900 |
Conventional 5% Down | 5% | 700 credit score | 6.995% | 7.472% | 0 pts ($0) | $2,714/mo | $94,756 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.327% | 7.366% | 0 pts ($0) | $2,954/mo | $101,467 |
Conventional High Balance | 10% | 740 credit score | 7.007% | 7.040% | 0 pts ($0) | $2,575/mo | $87,589 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.793% | 7.168% | 0 pts ($0) | $2,715/mo | $97,965 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.916% | 6.952% | 0 pts ($0) | $2,835/mo | $96,142 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,546/mo | $84,540 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.024% | 6.794% | 0 pts ($0) | $2,536/mo | $89,065 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,603/mo | $91,139 |
FHA Streamline Refi | 0% | 640 credit score | 6.200% | 6.973% | 0 pts ($0) | $2,678/mo | $94,608 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.973% | 7.217% | 0 pts ($0) | $2,708/mo | $98,159 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,688/mo | $52,633 |
Investment Property 25% Down | 25% | 740 credit score | 7.604% | 7.645% | 0 pts ($0) | $2,276/mo | $72,510 |
Jumbo Conforming | 20% | 760 credit score | 7.029% | 7.062% | 0 pts ($0) | $2,294/mo | $71,381 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,499/mo | $76,610 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.395% | 7.171% | 0 pts ($0) | $2,638/mo | $93,772 |
Second Home 10% Down | 10% | 720 credit score | 6.048% | 6.623% | 0 pts ($0) | $2,331/mo | $78,745 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,260/mo | $69,879 |
VA 0% Down | 0% | 700 credit score | 6.018% | 6.261% | 0 pts ($0) | $2,637/mo | $87,026 |
VA Cash-Out Refi | 0% | 640 credit score | 6.030% | 6.398% | 0 pts ($0) | $2,640/mo | $87,184 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.054% | 6.206% | 0 pts ($0) | $2,647/mo | $87,500 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,364/mo | $74,802 |
Frequently Asked Questions
What are today's mortgage rates in 92060, , CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 92060, , CA is 6.886% (with an estimated monthly payment of $2,405). Active program rates also include FHA 30-year fixed loans at 6.024% and VA 0%-down fixed loans at 6.018%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 92060, , 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 92060, , CA have fluctuated between a low of 6.499% and a high of 6.964%. 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 92060, , CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $429,692 in 92060, , CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $85,938 but keeps your monthly payment lower at $2,405/mo (at 6.886% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,039 (3.5% down) but has an estimated payment of $2,698/mo (at 6.024% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $414,653 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 92060 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 92060 is $806,501. With a typical local home value of $429,692 in , a standard 20%-down mortgage requires a loan size of $343,754. 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 92060, , CA impact estimated mortgage payments?
The median home value in 92060, , CA is estimated at $429,692. Buying a typical home here with a standard 20% down payment ($85,938) translates to an estimated starting monthly mortgage payment of $2,405 (principal and interest). Compared to the local area median household income of $67,938 ($5,662/mo), this basic housing payment represents approximately 42.5% 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.