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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.
See Safe Rate's top scoring lenders for Alhambra Unified School District (9-12)
We rank active Alhambra Unified School District (9-12) 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 | 6.809%APR 6.838% | 0 pts$0 | $4,696/moP&I $4,696 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.921%APR 6.890% | 0 pts$0 | $4,689/moP&I $4,354 · MI $336 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.853%APR 5.893% | 0 pts$0 | $4,247/moP&I $4,247 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.529%APR 6.557% | 0 pts$0 | $4,563/moP&I $4,563 · MI $0 | See details |
| Investment Property FixedConforming | 7.461%APR 7.494% | 0 pts$0 | $5,013/moP&I $5,013 · 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 | 5.853% | 5.893% | 0 pts ($0) | $6,017/mo | $118,235 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.865% | 5.907% | 0 pts ($0) | $7,526/mo | $165,650 |
Condo 10% Down | 10% | 720 credit score | 6.991% | 7.149% | 0 pts ($0) | $5,382/mo | $187,858 |
Conventional 10% Down | 10% | 720 credit score | 6.491% | 6.638% | 0 pts ($0) | $5,113/mo | $175,662 |
Conventional 20% Down | 20% | 740 credit score | 6.809% | 6.838% | 0 pts ($0) | $4,696/mo | $144,684 |
Conventional 5% Down | 5% | 700 credit score | 6.937% | 7.405% | 0 pts ($0) | $5,650/mo | $196,903 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.217% | 7.248% | 0 pts ($0) | $6,117/mo | $209,463 |
Conventional High Balance | 10% | 740 credit score | 7.021% | 7.050% | 0 pts ($0) | $5,398/mo | $183,732 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,738/mo | $207,509 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.529% | 6.557% | 0 pts ($0) | $5,704/mo | $190,812 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,424/mo | $177,007 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.921% | 6.890% | 0 pts ($0) | $5,252/mo | $183,746 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,451/mo | $190,823 |
FHA Streamline Refi | 0% | 640 credit score | 6.023% | 6.993% | 0 pts ($0) | $5,502/mo | $193,216 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.911% | 7.147% | 0 pts ($0) | $5,635/mo | $203,925 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,629/mo | $110,201 |
Investment Property 25% Down | 25% | 740 credit score | 7.461% | 7.494% | 0 pts ($0) | $4,700/mo | $148,907 |
Jumbo Conforming | 20% | 760 credit score | 7.088% | 7.117% | 0 pts ($0) | $4,831/mo | $150,736 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $5,231/mo | $160,403 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.263% | 7.237% | 0 pts ($0) | $5,447/mo | $192,828 |
Second Home 10% Down | 10% | 720 credit score | 7.456% | 7.622% | 0 pts ($0) | $5,637/mo | $199,213 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,732/mo | $146,310 |
VA 0% Down | 0% | 700 credit score | 6.063% | 6.301% | 0 pts ($0) | $5,547/mo | $183,454 |
VA Cash-Out Refi | 0% | 640 credit score | 5.925% | 6.284% | 0 pts ($0) | $5,466/mo | $179,643 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.934% | 6.079% | 0 pts ($0) | $5,471/mo | $179,891 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,951/mo | $156,618 |
Frequently Asked Questions
What are today's mortgage rates in Alhambra Unified School District (9-12), CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Alhambra Unified School District (9-12), CA is 6.809% (with an estimated monthly payment of $4,490). Active program rates also include FHA 30-year fixed loans at 5.921% and VA 0%-down fixed loans at 6.063%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Alhambra Unified School District (9-12), 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 Alhambra Unified School District (9-12), CA have fluctuated between a low of 6.410% and a high of 6.868%. 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 Alhambra Unified School District (9-12), CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $899,673 in Alhambra Unified School District (9-12), CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $179,935 but keeps your monthly payment lower at $4,490/mo (at 6.809% interest) with no monthly PMI. In comparison, an FHA loan requires only $31,489 (3.5% down) but has an estimated payment of $5,021/mo (at 5.921% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $868,184 falls comfortably within the local HUD FHA loan limit of $1,034,624 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Alhambra Unified School District (9-12) before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Alhambra Unified School District (9-12) is $806,501. With a typical local home value of $899,673 in , a standard 20%-down mortgage requires a loan size of $719,738. 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 Alhambra Unified School District (9-12), CA impact estimated mortgage payments?
The median home value in Alhambra Unified School District (9-12), CA is estimated at $899,673. Buying a typical home here with a standard 20% down payment ($179,935) translates to an estimated starting monthly mortgage payment of $4,490 (principal and interest). Compared to the local area median household income of $69,798 ($5,817/mo), this basic housing payment represents approximately 77.2% 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.