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.
See Safe Rate's top scoring lenders for Sacramento
We rank active Sacramento lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.853%APR 6.888% | 0 pts$0 | $2,701/moP&I $2,701 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.985%APR 6.753% | 0 pts$0 | $2,702/moP&I $2,510 · MI $192 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.918%APR 5.966% | 0 pts$0 | $2,449/moP&I $2,449 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.895%APR 6.930% | 0 pts$0 | $2,713/moP&I $2,713 · MI $0 | See details |
| Investment Property FixedConforming | 7.555%APR 7.595% | 0 pts$0 | $2,897/moP&I $2,897 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 5.918% | 5.966% | 0 pts ($0) | $3,459/mo | $68,469 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.890% | 5.939% | 0 pts ($0) | $4,316/mo | $95,213 |
Condo 10% Down | 10% | 720 credit score | 7.072% | 7.238% | 0 pts ($0) | $3,107/mo | $108,687 |
Conventional 10% Down | 10% | 720 credit score | 6.545% | 6.699% | 0 pts ($0) | $2,944/mo | $101,327 |
Conventional 20% Down | 20% | 740 credit score | 6.853% | 6.888% | 0 pts ($0) | $2,701/mo | $83,383 |
Conventional 5% Down | 5% | 700 credit score | 6.976% | 7.452% | 0 pts ($0) | $3,248/mo | $113,309 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.297% | 7.335% | 0 pts ($0) | $3,530/mo | $121,168 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,048/mo | $103,279 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.757% | 7.131% | 0 pts ($0) | $3,243/mo | $116,894 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.895% | 6.930% | 0 pts ($0) | $3,391/mo | $114,925 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,250/mo | $101,343 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.985% | 6.753% | 0 pts ($0) | $3,027/mo | $106,174 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,121/mo | $109,253 |
FHA Streamline Refi | 0% | 640 credit score | 6.118% | 6.888% | 0 pts ($0) | $3,182/mo | $112,120 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.950% | 7.192% | 0 pts ($0) | $3,239/mo | $117,330 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,223/mo | $63,094 |
Investment Property 25% Down | 25% | 740 credit score | 7.555% | 7.595% | 0 pts ($0) | $2,716/mo | $86,350 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,776/mo | $86,761 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,995/mo | $91,836 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.357% | 7.132% | 0 pts ($0) | $3,149/mo | $111,831 |
Second Home 10% Down | 10% | 720 credit score | 6.000% | 6.573% | 0 pts ($0) | $2,779/mo | $93,727 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,710/mo | $83,768 |
VA 0% Down | 0% | 700 credit score | 5.982% | 6.224% | 0 pts ($0) | $3,149/mo | $103,753 |
VA Cash-Out Refi | 0% | 640 credit score | 5.989% | 6.355% | 0 pts ($0) | $3,151/mo | $103,864 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.002% | 6.152% | 0 pts ($0) | $3,155/mo | $104,069 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,834/mo | $89,670 |
Frequently Asked Questions
What are today's mortgage rates in 95821, Arden-Arcade, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 95821, Arden-Arcade, CA is 6.853% (with an estimated monthly payment of $2,802). Active program rates also include FHA 30-year fixed loans at 5.985% and VA 0%-down fixed loans at 5.982%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 95821, Arden-Arcade, 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 95821, Arden-Arcade, CA have fluctuated between a low of 6.474% and a high of 6.935%. 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 95821, Arden-Arcade, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $515,095 in 95821, Arden-Arcade, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $103,019 but keeps your monthly payment lower at $2,802/mo (at 6.853% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,028 (3.5% down) but has an estimated payment of $3,140/mo (at 5.985% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $497,067 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 95821 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 95821 is $806,501. With a typical local home value of $515,095 in Arden-Arcade, a standard 20%-down mortgage requires a loan size of $412,076. 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 95821, Arden-Arcade, CA impact estimated mortgage payments?
The median home value in 95821, Arden-Arcade, CA is estimated at $515,095. Buying a typical home here with a standard 20% down payment ($103,019) translates to an estimated starting monthly mortgage payment of $2,802 (principal and interest). Compared to the local area median household income of $72,756 ($6,063/mo), this basic housing payment represents approximately 46.2% 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.