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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 | 6.959%APR 6.997% | 0 pts$0 | $3,755/moP&I $3,755 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.957%APR 6.728% | 0 pts$0 | $3,706/moP&I $3,442 · MI $264 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.113%APR 6.168% | 0 pts$0 | $3,439/moP&I $3,439 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.977%APR 7.016% | 0 pts$0 | $3,762/moP&I $3,762 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.700% | 0 pts$0 | $4,012/moP&I $4,012 · 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 | 6.113% | 6.168% | 0 pts ($0) | $4,817/mo | $97,373 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.042% | 6.097% | 0 pts ($0) | $5,995/mo | $134,074 |
Condo 10% Down | 10% | 720 credit score | 7.283% | 7.456% | 0 pts ($0) | $4,364/mo | $153,547 |
Conventional 10% Down | 10% | 720 credit score | 6.782% | 6.943% | 0 pts ($0) | $4,149/mo | $143,917 |
Conventional 20% Down | 20% | 740 credit score | 6.959% | 6.997% | 0 pts ($0) | $3,755/mo | $116,496 |
Conventional 5% Down | 5% | 700 credit score | 7.095% | 7.578% | 0 pts ($0) | $4,521/mo | $158,261 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.403% | 7.444% | 0 pts ($0) | $4,907/mo | $168,922 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $4,242/mo | $144,261 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.833% | 7.212% | 0 pts ($0) | $4,495/mo | $162,351 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.977% | 7.016% | 0 pts ($0) | $4,703/mo | $159,820 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,846/mo | $139,388 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.957% | 6.728% | 0 pts ($0) | $4,151/mo | $145,448 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,292/mo | $150,268 |
FHA Streamline Refi | 0% | 640 credit score | 6.079% | 6.852% | 0 pts ($0) | $4,359/mo | $153,366 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.053% | 7.301% | 0 pts ($0) | $4,502/mo | $163,467 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,432/mo | $86,781 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.700% | 0 pts ($0) | $3,761/mo | $119,890 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $3,771/mo | $117,197 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,120/mo | $126,313 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.319% | 7.096% | 0 pts ($0) | $4,314/mo | $153,018 |
Second Home 10% Down | 10% | 720 credit score | 6.067% | 6.644% | 0 pts ($0) | $3,850/mo | $130,197 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,727/mo | $115,215 |
VA 0% Down | 0% | 700 credit score | 6.081% | 6.327% | 0 pts ($0) | $4,377/mo | $144,856 |
VA Cash-Out Refi | 0% | 640 credit score | 6.085% | 6.456% | 0 pts ($0) | $4,379/mo | $144,943 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.075% | 6.229% | 0 pts ($0) | $4,374/mo | $144,726 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,898/mo | $123,333 |
Frequently Asked Questions
What are today's mortgage rates in La Ca������ada, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in La Ca������ada, CA is 6.959% (with an estimated monthly payment of $1,764). Active program rates also include FHA 30-year fixed loans at 5.957% and VA 0%-down fixed loans at 6.081%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in La Ca������ada, 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 La Ca������ada, CA have fluctuated between a low of 6.621% and a high of 7.080%. 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 La Ca������ada, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $708,468 in La Ca������ada, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $141,694 but keeps your monthly payment lower at $1,764/mo (at 6.959% interest) with no monthly PMI. In comparison, an FHA loan requires only $24,796 (3.5% down) but has an estimated payment of $1,950/mo (at 5.957% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $683,672 falls comfortably within the local HUD FHA loan limit of $814,738 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in La Ca������ada before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in La Ca������ada is $806,501. With a typical local home value of $708,468 in , a standard 20%-down mortgage requires a loan size of $566,774. 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 La Ca������ada, CA impact estimated mortgage payments?
The median home value in La Ca������ada, CA is estimated at $708,468. Buying a typical home here with a standard 20% down payment ($141,694) translates to an estimated starting monthly mortgage payment of $1,764 (principal and interest). Compared to the local area median household income of $109,489 ($9,124/mo), this basic housing payment represents approximately 19.3% 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.