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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 | 6.831%APR 6.865% | 0 pts$0 | $3,394/moP&I $3,394 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.956%APR 6.723% | 0 pts$0 | $3,393/moP&I $3,151 · MI $242 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.874%APR 5.921% | 0 pts$0 | $3,069/moP&I $3,069 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.868%APR 6.902% | 0 pts$0 | $3,406/moP&I $3,406 · MI $0 | See details |
| Investment Property FixedConforming | 7.514%APR 7.553% | 0 pts$0 | $3,633/moP&I $3,633 · 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 | 5.874% | 5.921% | 0 pts ($0) | $4,344/mo | $85,560 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.861% | 5.908% | 0 pts ($0) | $5,425/mo | $119,354 |
Condo 10% Down | 10% | 720 credit score | 7.030% | 7.194% | 0 pts ($0) | $3,896/mo | $136,127 |
Conventional 10% Down | 10% | 720 credit score | 6.515% | 6.667% | 0 pts ($0) | $3,696/mo | $127,070 |
Conventional 20% Down | 20% | 740 credit score | 6.831% | 6.865% | 0 pts ($0) | $3,394/mo | $104,657 |
Conventional 5% Down | 5% | 700 credit score | 6.956% | 7.429% | 0 pts ($0) | $4,081/mo | $142,315 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.272% | 7.309% | 0 pts ($0) | $4,435/mo | $152,094 |
Conventional High Balance | 10% | 740 credit score | 7.013% | 7.046% | 0 pts ($0) | $3,889/mo | $132,325 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.704% | 7.075% | 0 pts ($0) | $4,062/mo | $146,197 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.868% | 6.902% | 0 pts ($0) | $4,258/mo | $144,193 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,352/mo | $127,618 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.956% | 6.723% | 0 pts ($0) | $3,801/mo | $133,146 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,930/mo | $137,579 |
FHA Streamline Refi | 0% | 640 credit score | 6.078% | 6.847% | 0 pts ($0) | $3,990/mo | $140,395 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.930% | 7.171% | 0 pts ($0) | $4,071/mo | $147,378 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,058/mo | $79,452 |
Investment Property 25% Down | 25% | 740 credit score | 7.514% | 7.553% | 0 pts ($0) | $3,406/mo | $108,136 |
Jumbo Conforming | 20% | 760 credit score | 7.055% | 7.088% | 0 pts ($0) | $3,472/mo | $108,161 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,772/mo | $115,647 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.318% | 7.091% | 0 pts ($0) | $3,950/mo | $140,078 |
Second Home 10% Down | 10% | 720 credit score | 5.969% | 6.540% | 0 pts ($0) | $3,488/mo | $117,484 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,412/mo | $105,486 |
VA 0% Down | 0% | 700 credit score | 5.954% | 6.195% | 0 pts ($0) | $3,953/mo | $130,095 |
VA Cash-Out Refi | 0% | 640 credit score | 5.960% | 6.324% | 0 pts ($0) | $3,956/mo | $130,215 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.973% | 6.122% | 0 pts ($0) | $3,961/mo | $130,474 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,569/mo | $112,918 |
Frequently Asked Questions
What are today's mortgage rates in Fairfield-Suisun, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Fairfield-Suisun, CA is 6.831% (with an estimated monthly payment of $3,246). Active program rates also include FHA 30-year fixed loans at 5.956% and VA 0%-down fixed loans at 5.954%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Fairfield-Suisun, 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 Fairfield-Suisun, CA have fluctuated between a low of 6.451% and a high of 6.911%. 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 Fairfield-Suisun, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $648,642 in Fairfield-Suisun, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $129,728 but keeps your monthly payment lower at $3,246/mo (at 6.831% interest) with no monthly PMI. In comparison, an FHA loan requires only $22,702 (3.5% down) but has an estimated payment of $3,635/mo (at 5.956% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $625,940 falls comfortably within the local HUD FHA loan limit of $745,938 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Fairfield-Suisun before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Fairfield-Suisun is $806,501. With a typical local home value of $648,642 in , a standard 20%-down mortgage requires a loan size of $518,914. 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 Fairfield-Suisun, CA impact estimated mortgage payments?
The median home value in Fairfield-Suisun, CA is estimated at $648,642. Buying a typical home here with a standard 20% down payment ($129,728) translates to an estimated starting monthly mortgage payment of $3,246 (principal and interest). Compared to the local area median household income of $103,188 ($8,599/mo), this basic housing payment represents approximately 37.7% 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.