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!
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July 17, 2026
If you've been watching the housing market from the sidelines, waiting for that perfect moment to jump in, you're not alone. The good news? Summer 2026 is shaping up differently than the past few years, and some interesting dynamics are creating opportunities that weren't there just six months ago. Let's talk about what's actually happening…
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