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.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Exceeds $806,501 conforming limit
Exceeds local FHA limit of $1,209,750
Requires veteran or military eligibility
Exceeds $806,501 conforming limit
Exceeds $806,501 conforming limit
Exceeds $806,501 conforming limit
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| FHA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr FixedJumbo | 7.000%APR 7.032% | 0 pts$0 | $9,230/moP&I $9,230 · MI $0 | See details |
| 15-Year Conforming Fixed Doesn't Apply | — | — | — | Ineligible |
| Refinance 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Investment Property Fixed Doesn't Apply | — | — | — | Ineligible |
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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 | 6.359% | 6.407% | 0 pts ($0) | $11,978/mo | $248,244 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.823% | 5.868% | 0 pts ($0) | $14,468/mo | $317,187 |
Condo 10% Down | 10% | 720 credit score | 6.782% | 6.939% | 0 pts ($0) | $10,156/mo | $352,270 |
Conventional 10% Down | 10% | 720 credit score | 6.588% | 6.740% | 0 pts ($0) | $9,955/mo | $343,150 |
Conventional 20% Down | 20% | 740 credit score | 7.027% | 7.060% | 0 pts ($0) | $9,255/mo | $287,995 |
Conventional 5% Down | 5% | 700 credit score | 6.051% | 6.973% | 0 pts ($0) | $9,931/mo | $335,601 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.625% | 7.699% | 0 pts ($0) | $12,274/mo | $425,094 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $10,382/mo | $353,111 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $11,060/mo | $399,977 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.496% | 6.527% | 0 pts ($0) | $10,956/mo | $366,070 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $14,310/mo | $341,184 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.934% | 6.906% | 0 pts ($0) | $10,137/mo | $354,840 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $10,506/mo | $367,816 |
FHA Streamline Refi | 0% | 640 credit score | 6.049% | 7.022% | 0 pts ($0) | $10,635/mo | $373,807 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.342% | 7.591% | 0 pts ($0) | $11,341/mo | $414,481 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $10,849/mo | $212,415 |
Investment Property 25% Down | 25% | 740 credit score | 7.441% | 7.477% | 0 pts ($0) | $9,042/mo | $286,236 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $9,230/mo | $286,866 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $10,083/mo | $309,180 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.392% | 7.371% | 0 pts ($0) | $10,642/mo | $378,288 |
Second Home 10% Down | 10% | 720 credit score | 5.942% | 6.662% | 0 pts ($0) | $9,299/mo | $312,826 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $9,122/mo | $282,016 |
VA 0% Down | 0% | 700 credit score | 6.021% | 6.262% | 0 pts ($0) | $10,644/mo | $351,375 |
VA Cash-Out Refi | 0% | 640 credit score | 6.026% | 6.391% | 0 pts ($0) | $10,650/mo | $351,641 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.037% | 6.186% | 0 pts ($0) | $10,663/mo | $352,226 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $9,542/mo | $301,885 |
Frequently Asked Questions
What are today's mortgage rates in Mountain View-Los Altos Union, CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Mountain View-Los Altos Union, CA is 7.027% (with an estimated monthly payment of $5,584). Active program rates also include FHA 30-year fixed loans at 5.934% and VA 0%-down fixed loans at 6.021%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Mountain View-Los Altos Union, 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 Mountain View-Los Altos Union, CA have fluctuated between a low of 6.917% and a high of 7.174%. 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 Mountain View-Los Altos Union, CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $1,734,138 in Mountain View-Los Altos Union, CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $346,828 but keeps your monthly payment lower at $5,584/mo (at 7.027% interest) with no monthly PMI. In comparison, an FHA loan requires only $60,695 (3.5% down) but has an estimated payment of $6,115/mo (at 5.934% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $1,673,443 exceeds the local HUD FHA limit of $1,209,750 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in Mountain View-Los Altos Union before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Mountain View-Los Altos Union is $806,501. With a typical local home value of $1,734,138 in , a standard 20%-down mortgage requires a loan size of $1,387,310. Since this exceeds the conforming limit of $806,501, most typical transactions in require a non-conforming Jumbo loan, which demands stricter underwriting guidelines, higher credit scores, and larger asset reserves.
How does the median home value in Mountain View-Los Altos Union, CA impact estimated mortgage payments?
The median home value in Mountain View-Los Altos Union, CA is estimated at $1,734,138. Buying a typical home here with a standard 20% down payment ($346,828) translates to an estimated starting monthly mortgage payment of $5,584 (principal and interest). Compared to the local area median household income of $205,738 ($17,145/mo), this basic housing payment represents approximately 32.6% 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.