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 | 5.946%APR 6.713% | 0 pts$0 | $5,416/moP&I $5,029 · MI $387 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr FixedJumbo | 7.000%APR 7.032% | 0 pts$0 | $5,517/moP&I $5,517 · 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 | 5.869% | 5.916% | 0 pts ($0) | $6,939/mo | $136,604 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.846% | 5.892% | 0 pts ($0) | $8,661/mo | $190,277 |
Condo 10% Down | 10% | 720 credit score | 6.866% | 7.026% | 0 pts ($0) | $6,123/mo | $212,919 |
Conventional 10% Down | 10% | 720 credit score | 6.505% | 6.657% | 0 pts ($0) | $5,899/mo | $202,776 |
Conventional 20% Down | 20% | 740 credit score | 6.823% | 6.856% | 0 pts ($0) | $5,419/mo | $167,042 |
Conventional 5% Down | 5% | 700 credit score | 6.811% | 7.280% | 0 pts ($0) | $6,427/mo | $223,116 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.844% | 6.878% | 0 pts ($0) | $6,788/mo | $229,670 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $6,206/mo | $211,061 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.676% | 7.046% | 0 pts ($0) | $6,472/mo | $232,773 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.844% | 6.878% | 0 pts ($0) | $6,788/mo | $229,670 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $8,553/mo | $203,932 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.946% | 6.713% | 0 pts ($0) | $6,067/mo | $212,461 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,280/mo | $219,850 |
FHA Streamline Refi | 0% | 640 credit score | 6.064% | 6.833% | 0 pts ($0) | $6,367/mo | $223,907 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.811% | 7.049% | 0 pts ($0) | $6,427/mo | $231,978 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $6,485/mo | $126,964 |
Investment Property 25% Down | 25% | 740 credit score | 7.501% | 7.539% | 0 pts ($0) | $5,436/mo | $172,496 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $5,517/mo | $171,465 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $6,027/mo | $184,802 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.305% | 7.078% | 0 pts ($0) | $6,303/mo | $223,445 |
Second Home 10% Down | 10% | 720 credit score | 6.821% | 6.980% | 0 pts ($0) | $6,095/mo | $211,654 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,452/mo | $168,566 |
VA 0% Down | 0% | 700 credit score | 5.944% | 6.184% | 0 pts ($0) | $6,310/mo | $207,573 |
VA Cash-Out Refi | 0% | 640 credit score | 5.950% | 6.314% | 0 pts ($0) | $6,314/mo | $207,764 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.963% | 6.112% | 0 pts ($0) | $6,323/mo | $208,178 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $5,704/mo | $180,442 |
Frequently Asked Questions
What are today's mortgage rates in 94973, Lagunitas-Forest Knolls, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 94973, Lagunitas-Forest Knolls, CA is 6.823% (with an estimated monthly payment of $3,431). Active program rates also include FHA 30-year fixed loans at 5.946% and VA 0%-down fixed loans at 5.944%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 94973, Lagunitas-Forest Knolls, 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 94973, Lagunitas-Forest Knolls, CA have fluctuated between a low of 6.368% and a high of 6.823%. 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 94973, Lagunitas-Forest Knolls, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $1,036,525 in 94973, Lagunitas-Forest Knolls, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $207,305 but keeps your monthly payment lower at $3,431/mo (at 6.823% interest) with no monthly PMI. In comparison, an FHA loan requires only $36,278 (3.5% down) but has an estimated payment of $3,841/mo (at 5.946% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $1,000,247 falls comfortably within the local HUD FHA loan limit of $1,192,004 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 94973 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 94973 is $806,501. With a typical local home value of $1,036,525 in Lagunitas-Forest Knolls, a standard 20%-down mortgage requires a loan size of $829,220. Since this exceeds the conforming limit of $806,501, most typical transactions in Lagunitas-Forest Knolls 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 94973, Lagunitas-Forest Knolls, CA impact estimated mortgage payments?
The median home value in 94973, Lagunitas-Forest Knolls, CA is estimated at $1,036,525. Buying a typical home here with a standard 20% down payment ($207,305) translates to an estimated starting monthly mortgage payment of $3,431 (principal and interest). Compared to the local area median household income of $147,062 ($12,255/mo), this basic housing payment represents approximately 28.0% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.