Mortgage
Know your payment before you tour.
Run the real numbers — principal, interest, taxes, insurance, and HOA — then talk to a Mashney loan officer when you're ready to get pre-approved.
Mortgage calculator
Your numbers
$779/mo
Estimated monthly payment
- Principal & interest
- $4,24282%
- Property taxes
- $77915%
- Homeowners insurance
- $1503%
- HOA dues
- $00%
Estimates update live and are for planning only. Your actual payment depends on lender terms, credit profile, mortgage insurance, and the final tax assessment.
Today's average rates
As of August 2026
30-Year Fixed
6.52% APR
Lowest payment, longest term
15-Year Fixed
5.83% APR
Less interest, faster payoff
5/1 ARM
6.14% APR
Fixed 5 years, then adjusts
Indicative averages — not a rate lock or offer. Rates shown are indicative averages and change daily; your quoted rate depends on credit, loan size, occupancy, and property type. Contact a Mashney loan officer for a personalized quote.
Loan types, in plain English
Conventional
3% – 20% down
The standard choice for buyers with solid credit. Competitive rates, and mortgage insurance drops off once you reach 20% equity.
FHA
3.5% down
Government-insured and friendlier to lower credit scores or thinner savings. Mortgage insurance applies for the life of most FHA loans.
VA
0% down
For eligible veterans, active-duty service members, and surviving spouses. No down payment and no monthly mortgage insurance.
Jumbo
10% – 20% down
For loan amounts above conforming limits — common across coastal California. Expect stricter income, reserve, and credit requirements.
Multilingual loan officers
Get pre-approved before you make an offer.
Pre-approval tells sellers you're serious and tells you exactly what you can spend. Our multilingual Mashney loan officers walk you through documents, credit, and timing — start to close.