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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 Scott Valley Unified School District (9-12)
We rank active Scott Valley 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 | 7.016%APR 7.052% | 0 pts$0 | $1,505/moP&I $1,505 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.086%APR 6.856% | 0 pts$0 | $1,496/moP&I $1,391 · MI $105 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.274%APR 6.327% | 0 pts$0 | $1,394/moP&I $1,394 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.784%APR 6.820% | 0 pts$0 | $1,470/moP&I $1,470 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.718% | 0 pts$0 | $1,599/moP&I $1,599 · 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 | 6.274% | 6.327% | 0 pts ($0) | $1,940/mo | $39,862 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.026% | 6.079% | 0 pts ($0) | $2,387/mo | $53,303 |
Condo 10% Down | 10% | 720 credit score | 7.331% | 7.503% | 0 pts ($0) | $1,748/mo | $61,562 |
Conventional 10% Down | 10% | 720 credit score | 6.834% | 6.994% | 0 pts ($0) | $1,662/mo | $57,755 |
Conventional 20% Down | 20% | 740 credit score | 7.016% | 7.052% | 0 pts ($0) | $1,505/mo | $46,816 |
Conventional 5% Down | 5% | 700 credit score | 7.185% | 7.669% | 0 pts ($0) | $1,818/mo | $63,801 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.448% | 7.487% | 0 pts ($0) | $1,964/mo | $67,705 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,671/mo | $56,613 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.860% | 7.236% | 0 pts ($0) | $1,796/mo | $64,926 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.784% | 6.820% | 0 pts ($0) | $1,838/mo | $62,052 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,330/mo | $55,552 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.086% | 6.856% | 0 pts ($0) | $1,678/mo | $59,041 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,711/mo | $59,888 |
FHA Streamline Refi | 0% | 640 credit score | 6.284% | 7.058% | 0 pts ($0) | $1,775/mo | $62,893 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.125% | 7.371% | 0 pts ($0) | $1,807/mo | $65,730 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,766/mo | $34,585 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.718% | 0 pts ($0) | $1,499/mo | $47,781 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $1,522/mo | $47,559 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,642/mo | $50,341 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.459% | 7.235% | 0 pts ($0) | $1,745/mo | $62,152 |
Second Home 10% Down | 10% | 720 credit score | 6.092% | 6.668% | 0 pts ($0) | $1,539/mo | $52,080 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,485/mo | $45,918 |
VA 0% Down | 0% | 700 credit score | 6.090% | 6.334% | 0 pts ($0) | $1,746/mo | $57,809 |
VA Cash-Out Refi | 0% | 640 credit score | 6.094% | 6.463% | 0 pts ($0) | $1,747/mo | $57,844 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.100% | 6.252% | 0 pts ($0) | $1,748/mo | $57,896 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,554/mo | $49,153 |
Frequently Asked Questions
What are today's mortgage rates in Scott Valley Unified School District (9-12), CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Scott Valley Unified School District (9-12), CA is 7.016% (with an estimated monthly payment of $1,544). Active program rates also include FHA 30-year fixed loans at 6.086% and VA 0%-down fixed loans at 6.090%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Scott Valley 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 Scott Valley Unified School District (9-12), CA have fluctuated between a low of 6.895% and a high of 7.147%. 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 Scott Valley 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 $282,352 in Scott Valley Unified School District (9-12), CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $56,470 but keeps your monthly payment lower at $1,544/mo (at 7.016% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,882 (3.5% down) but has an estimated payment of $1,721/mo (at 6.086% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $272,470 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Scott Valley Unified School District (9-12) before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Scott Valley Unified School District (9-12) is $806,501. With a typical local home value of $282,352 in , a standard 20%-down mortgage requires a loan size of $225,882. 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 Scott Valley Unified School District (9-12), CA impact estimated mortgage payments?
The median home value in Scott Valley Unified School District (9-12), CA is estimated at $282,352. Buying a typical home here with a standard 20% down payment ($56,470) translates to an estimated starting monthly mortgage payment of $1,544 (principal and interest). Compared to the local area median household income of $68,438 ($5,703/mo), this basic housing payment represents approximately 27.1% 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.