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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 | 6.832%APR 6.862% | 0 pts$0 | $3,198/moP&I $3,198 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.951%APR 6.714% | 0 pts$0 | $3,196/moP&I $2,967 · MI $228 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.880%APR 5.921% | 0 pts$0 | $2,894/moP&I $2,894 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.799%APR 6.829% | 0 pts$0 | $3,188/moP&I $3,188 · MI $0 | See details |
| Investment Property FixedConforming | 7.491%APR 7.525% | 0 pts$0 | $3,416/moP&I $3,416 · 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 | 5.880% | 5.921% | 0 pts ($0) | $4,095/mo | $80,713 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.871% | 5.913% | 0 pts ($0) | $5,116/mo | $112,651 |
Condo 10% Down | 10% | 720 credit score | 7.025% | 7.184% | 0 pts ($0) | $3,669/mo | $128,197 |
Conventional 10% Down | 10% | 720 credit score | 6.511% | 6.659% | 0 pts ($0) | $3,481/mo | $119,679 |
Conventional 20% Down | 20% | 740 credit score | 6.832% | 6.862% | 0 pts ($0) | $3,198/mo | $98,639 |
Conventional 5% Down | 5% | 700 credit score | 6.958% | 7.427% | 0 pts ($0) | $3,847/mo | $134,147 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.256% | 7.288% | 0 pts ($0) | $4,172/mo | $143,032 |
Conventional High Balance | 10% | 740 credit score | 7.044% | 7.073% | 0 pts ($0) | $3,676/mo | $125,212 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.703% | 7.070% | 0 pts ($0) | $3,827/mo | $137,751 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.799% | 6.829% | 0 pts ($0) | $3,984/mo | $134,611 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,044/mo | $120,261 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.951% | 6.714% | 0 pts ($0) | $3,580/mo | $125,381 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,703/mo | $129,648 |
FHA Streamline Refi | 0% | 640 credit score | 6.064% | 6.829% | 0 pts ($0) | $3,755/mo | $132,041 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.932% | 7.169% | 0 pts ($0) | $3,837/mo | $138,918 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,824/mo | $74,873 |
Investment Property 25% Down | 25% | 740 credit score | 7.491% | 7.525% | 0 pts ($0) | $3,203/mo | $101,585 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.164% | 0 pts ($0) | $3,294/mo | $102,958 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,554/mo | $108,980 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.310% | 7.079% | 0 pts ($0) | $3,719/mo | $131,859 |
Second Home 10% Down | 10% | 720 credit score | 5.963% | 6.530% | 0 pts ($0) | $3,285/mo | $110,612 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,215/mo | $99,405 |
VA 0% Down | 0% | 700 credit score | 5.950% | 6.187% | 0 pts ($0) | $3,724/mo | $122,521 |
VA Cash-Out Refi | 0% | 640 credit score | 5.955% | 6.315% | 0 pts ($0) | $3,726/mo | $122,615 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.967% | 6.113% | 0 pts ($0) | $3,730/mo | $122,840 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,364/mo | $106,409 |
Frequently Asked Questions
What are today's mortgage rates in Cotati-Rohnert Park, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Cotati-Rohnert Park, CA is 6.832% (with an estimated monthly payment of $3,629). Active program rates also include FHA 30-year fixed loans at 5.951% and VA 0%-down fixed loans at 5.950%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Cotati-Rohnert Park, 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 Cotati-Rohnert Park, CA have fluctuated between a low of 6.435% and a high of 6.896%. 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 Cotati-Rohnert Park, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $611,252 in Cotati-Rohnert Park, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $122,250 but keeps your monthly payment lower at $3,629/mo (at 6.832% interest) with no monthly PMI. In comparison, an FHA loan requires only $21,394 (3.5% down) but has an estimated payment of $4,061/mo (at 5.951% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $589,858 falls comfortably within the local HUD FHA loan limit of $702,940 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Cotati-Rohnert Park before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Cotati-Rohnert Park is $806,501. With a typical local home value of $611,252 in , a standard 20%-down mortgage requires a loan size of $489,002. 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 Cotati-Rohnert Park, CA impact estimated mortgage payments?
The median home value in Cotati-Rohnert Park, CA is estimated at $611,252. Buying a typical home here with a standard 20% down payment ($122,250) translates to an estimated starting monthly mortgage payment of $3,629 (principal and interest). Compared to the local area median household income of $91,715 ($7,643/mo), this basic housing payment represents approximately 47.5% 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.