California
Mortgage RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Iffy Okechukwu to receive a personalized rate for your specific situation.
FHA home loans are popular among Oakland first-time homebuyers due to low down payment and credit requirements.
FHA Loans
A conventional(fixed-rate mortgage) is a popular type of home financing in Oakland because it offers predictability for your budget.
Conventional Loans
A jumbo home loan is a mortgage used to finance Oakland properties that are too expensive for a conventional conforming loan.
Jumbo LoansConventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in Oakland? Now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
With rates historically high, see what buying down your mortgage rate could look like for your payment, whether that's a temporary or permanent buydown.
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October 16, 2026
If you own a home and need cash for a remodel, a tuition bill, or high-interest debt, you have three main ways to borrow against your equity: a home equity line of credit (HELOC), a fixed-rate home equity loan, or a cash-out refinance. This fall, the choice between them matters more than usual, because the…
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October 9, 2026
If you are buying a home or refinancing this fall, one line on your Loan Estimate may look a little different than friends who closed last year. Your appraisal fee may run about $65 higher in many markets, and the schedule can stretch a bit while the industry switches to a new report format. That…
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October 2, 2026
For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac…
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