El Sobrante, California Mortgage Rates - October 2026
Brian McKay
Brian McKay
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El Sobrante, California mortgage rates from lenders serving California range from 5.00% to 9.50%, verified by MonitorBankRates as of October 19, 2026. Current 30-year fixed mortgage rates for El Sobrante, California borrowers from lenders serving California include Safe 1 Credit UnionSafe 1 Credit UnionA+5.0 ★Texas Ratio: 1.69% at 6.00%, ILWU Federal Credit UnionILWU Federal Credit UnionA5.0 ★Texas Ratio: 6.01% at 6.25%, Educational Employees Credit UnionEducational Employees Credit UnionA+5.0 ★Texas Ratio: 0.58% at 6.25%, Partners Federal Credit UnionPartners Federal Credit UnionA+5.0 ★Texas Ratio: 4.65% at 6.482%, and Certified Federal Credit UnionCertified Federal Credit UnionA+5.0 ★Texas Ratio: 1.07% at 6.50%. Mortgage rates as of October 19, 2026 according to verified data from MonitorBankRates.
El Sobrante borrowers can compare 379 mortgage rates from 58 lenders serving the California area, with mortgage rates as low as 6.00% from Safe 1 Credit Union. Use the tabs below to compare available loan types. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to California borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 19, 2026
Compare Mortgage Rates Today in El Sobrante, California & the Surrounding Area
El Sobrante 30 Year Fixed Mortgage Rates
Home Loans; Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock
Fixed rate; amounts up to $832,750; Rates effective September 21, 2026
Portfolio; P&I per $100,000: $615.72
- Oct 19, 20266.41%▲ from 5.90%
- Sep 29, 20265.90%first recorded
Mortgage; Partners rate; rate comparison tool; APR based on Partners' best fixed rates on approved credit
- Oct 15, 20266.48%▲ from 6.10%
- Sep 14, 20266.10%first recorded
Fixed rate; amounts up to $832,750; Rates effective September 21, 2026
Loan amount not to exceed $499,999; APR assumes $250,000 loan, 80% LTV, owner occupied, single-family residence, credit score 620 or above; Conforming rate
Loan amounts of $500,000 to $1,000,000; APR assumes $500,000 loan, 80% LTV, owner occupied, single-family residence, credit score 620 or above; High balance rate
APR as low as; Home Mortgage Lending Rates; first APR as-low-as column
Mortgage Purchase Rates; Rates effective as of October 18, 2026; single-family owner occupied, California, LTV 60%, credit score 740+
Up to Conventional loan limit; Purchase of primary residence, up to 80% LTV; origination fee .50%; no application fee; minimum payment $125 per month; appraisal required; credit report fee
Rate Details For Purchase Rates Conforming and Government Loans; Conforming Purchase
- Oct 19, 20266.88%▼ from 7.71%
- Sep 29, 20267.71%first recorded
Today's Featured Rates
Mortgage Purchase Rates; Rates effective as of October 18, 2026; single-family owner occupied, California, LTV 60%, credit score 740+
Government; 1st Adj Rate N/A
APR as low as; Home Mortgage Lending Rates; second APR as-low-as column
Mortgage refinance; interest rates shown for credit score 710 or above; maximum LTV 80%; maximum loan amount $766,550.00
Government; P&I per $100,000: $656.93
As Low As; Mortgage Loans
Government; VA; 1.000 points; P&I per $100,000: $648.60
- Oct 19, 20266.99%▼ from 7.23%
- Oct 9, 20267.23%▼ from 7.24%
- Sep 29, 20267.24%first recorded
Government; FHA; P&I per $100,000: $656.93
As Low As; Effective 9/17/2026; Monthly Payment Per $1000 Borrowed: $6.65; Loan rates based on term and applicant credit history
As Low As; Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security.
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
- Sep 22, 20267.00%▲ from 6.88%
Conventional Fixed; P&I per $100,000: $665.30
Conventional Fixed; P&I per $100,000: $673.72
Government; FHA; 1.000 points; P&I per $100,000: $656.93
Government; 1st Adj Rate N/A
- Oct 15, 20267.20%▲ from 7.07%
- Oct 5, 20267.07%▼ from 7.33%
- Sep 29, 20267.33%first recorded
Mortgage refinance; APR assumes $300,000 loan; LTV 60%, credit score 740+
As Low As; APR based on $250,000 loan, 80% LTV, FICO 740+, 60-day rate lock
- Oct 15, 20267.20%▲ from 6.70%
- Sep 14, 20266.70%first recorded
Mortgage Loan Rates; APR* (As Low As)
Government; VA; P&I per $100,000: $673.72
- Oct 19, 20267.27%▼ from 7.40%
- Oct 9, 20267.40%▲ from 7.27%
- Oct 2, 20267.27%▼ from 7.40%
- Sep 29, 20267.40%first recorded
Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+
Mortgage refinance; APR assumes $300,000 loan; LTV 60%, credit score 740+
Loan amount From $50K to $832,750; Mortgage purchase/refinance conforming fixed rate; Rates based on 640 minimum FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence
- Oct 19, 20267.30%▼ from 7.55%
- Oct 9, 20267.55%▼ from 7.68%
- Oct 2, 20267.68%▲ from 7.55%
- Oct 1, 20267.55%▲ from 7.17%
Fixed and Adjustable Rate Mortgages
- Oct 14, 20267.31%▲ from 6.94%
- Sep 14, 20266.94%first recorded
Loan Amount: $50,000 to $832,750
Loan amount: $50,000 to $832,750
Government; P&I per $100,000: $682.18
- Oct 15, 20267.35%▲ from 7.09%
- Oct 5, 20267.09%▼ from 7.22%
- Oct 2, 20267.22%first recorded
Home Loans up to $832,750
Mortgage refinance; APR assumes $300,000 loan; LTV 60%, credit score 740+
As Low As; APR* as low as 7.352% as printed; interest rate not published on page
- Oct 14, 20267.35%▼ from 7.48%
- Oct 2, 20267.48%▲ from 7.35%
- Oct 1, 20267.35%▲ from 7.10%
- Sep 18, 20267.10%▲ from 6.97%
Conforming High-Balance loan $806,501-$1,209,750; Payment:; Rates effective 10/13/2026
As Low As; Today's Purchase Rates; Effective October 13, 2026
- Oct 14, 20267.38%▲ from 7.00%
- Sep 14, 20267.00%first recorded
Effective Date: Wednesday, October 14th, 2026; Conforming loan limit up to $832,750; Maximum LTV 80%; FICO 620 and above; Refinance with cash-out adds .125%; Condo/PUD purchase or refinance adds .125%
Primary residences in North or South Carolina; APR includes 1% origination fee
- Oct 2, 20267.39%▲ from 6.58%
- Sep 18, 20266.58%first recorded
Conventional Fixed; 1st Adj Rate N/A
Portfolio; P&I per $100,000: $682.18
- Oct 19, 20267.42%▲ from 6.92%
- Sep 29, 20266.92%first recorded
Fixed-rate conforming mortgage; Conforming Maximum Loan up to $832,750; Est. Payment per $1,000: $6.91; Rates Effective as of: October 13, 2026
Conforming Maximum Loan up to $832,750; Rates Effective as of: October 13, 2026
Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+
Conforming High-Balance loan $806,501-$1,209,750; Payment:; Rates effective 10/13/2026
El Sobrante 15 Year Fixed Mortgage Rates
Home Loans; Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock
Loan amount not to exceed $499,999; APR assumes $250,000 loan, 80% LTV, owner occupied, single-family residence, credit score 620 or above; Conforming rate
Loan amounts of $500,000 to $1,000,000; APR assumes $500,000 loan, 80% LTV, owner occupied, single-family residence, credit score 620 or above; High balance rate
Mortgage Purchase Rates; Rates effective as of October 18, 2026; single-family owner occupied, California, LTV 60%, credit score 740+
Additional APR listed for this product: 6.250%. Conventional Fixed; P&I per $100,000: $843.86
Mortgage Purchase Rates; Rates effective as of October 18, 2026; single-family owner occupied, California, LTV 60%, credit score 740+
Fixed rate; amounts up to $832,750; Rates effective September 21, 2026
Portfolio; P&I per $100,000: $843.86
- Oct 19, 20266.26%▲ from 5.75%
- Sep 29, 20265.75%first recorded
Fixed rate; amounts up to $832,750; Rates effective September 21, 2026
Mortgage refinance; interest rates shown for credit score 710 or above; maximum LTV 80%; maximum loan amount $766,550.00
Additional APR listed for this product: 6.505%. Conventional Fixed; 1st Adj Rate N/A
- Oct 5, 20266.35%▼ from 6.59%
- Sep 29, 20266.59%first recorded
Today's Featured Rates
As Low As; Get peace of mind with predictable monthly payments. Both traditional and short-term options available.
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+
Mortgage Loans as low as; Rate 6.25%; APR 6.62%; Points 0
- Oct 19, 20266.62%▼ from 6.87%
- Oct 9, 20266.87%first recorded
Mortgage Loan Rates; APR* (As Low As)
As Low As; Effective 9/17/2026; Monthly Payment Per $1000 Borrowed: $8.44; Loan rates based on term and applicant credit history
Mortgage refinance; APR assumes $300,000 loan; LTV 60%, credit score 740+
Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+
Conforming High-Balance loan $806,501-$1,209,750; Payment:; Rates effective 10/13/2026
Mortgage refinance; APR assumes $300,000 loan; LTV 60%, credit score 740+
As Low As; Today's Purchase Rates; Effective October 13, 2026
As Low As; Rates as of 10/01/2026
No additional details available.
Mortgage refinance; APR assumes $300,000 loan; LTV 60%, credit score 740+
As Low As; w/ 0.875 Points; Payment: 2,090.66
Conforming High-Balance loan $806,501-$1,209,750; Payment:; Rates effective 10/13/2026
As Low As; Origination Fee: $4,425; P&I Payments: $2,613.32; Conventional 60% LTV loan
- Oct 1, 20266.83%▲ from 6.00%
- Sep 22, 20266.00%▼ from 6.32%
- Sep 14, 20266.32%first recorded
Fixed-rate conforming mortgage; Conforming Maximum Loan up to $832,750; Est. Payment per $1,000: $8.85; Rates Effective as of: October 13, 2026
Conforming Maximum Loan up to $832,750; Rates Effective as of: October 13, 2026
Loan amount: From $50K to $832,750; Conforming fixed rate; Rates based on purchase transaction, minimum 640 FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence
- Oct 19, 20266.83%▼ from 7.07%
- Oct 9, 20267.07%▼ from 7.20%
- Oct 2, 20267.20%▲ from 7.07%
- Oct 1, 20267.07%▲ from 6.70%
Portfolio; Closed End 2nd; P&I per $100,000: $884.91
- Oct 19, 20266.85%▲ from 6.34%
- Sep 29, 20266.34%first recorded
Loan Amount: $50,000 to $832,750
Loan amount: $50,000 to $832,750
Payment:; Rates effective 10/13/2026
Conforming Fixed-Rate Mortgage; Rates and terms as of 10/18/2026
- Oct 19, 20266.92%▼ from 7.19%
- Oct 9, 20267.19%▲ from 7.15%
- Oct 2, 20267.15%▼ from 7.17%
- Oct 1, 20267.17%▲ from 6.79%
Last Updated: 10/14/2026
Refinance; Based on $300,000 loan amount; Rates include 0.125% autopay and paperless discount
Loan amount $50,000 to $832,750 with no points; APR as of October 14, 2026; fixed-rate, valid up to 80% CLTV for primary residence
Primary residences in North or South Carolina; APR includes 1% origination fee
- Oct 2, 20266.97%▲ from 6.20%
- Sep 18, 20266.20%first recorded
Fixed and Adjustable Rate Mortgages
- Oct 14, 20266.97%▲ from 6.47%
- Sep 14, 20266.47%first recorded
Payment:; Rates effective 10/13/2026
Effective Date: Wednesday, October 14th, 2026; Conforming loan limit up to $832,750; Maximum LTV 80%; FICO 620 and above; Refinance with cash-out adds .125%; Condo/PUD purchase or refinance adds .125%
Loan Amount: $832,751 to $1,249,125
Loan amount: $832,751 to $1,249,125
Home Loans up to $832,750
As Low As; Origination Fee: $1,425; P&I Payments: $2,675.56; Conventional 60% LTV loan
- Oct 1, 20267.04%▲ from 6.54%
- Sep 14, 20266.54%first recorded
As Low As; APR based on $250,000 loan, 80% LTV, FICO 740+, 60-day rate lock
- Oct 15, 20267.08%▲ from 6.57%
- Sep 14, 20266.57%first recorded
As Low As; Rate and term refinance, single family residence, $500,000 loan, 720 FICO, 60% LTV; Rates updated 10/12/2026
No additional details available.
El Sobrante 5/1 ARM Mortgage Rates
Adjustable; P&I per $100,000: $536.82; 1st Adj Rate: 6.500%; 1st Adj Payment: $1,878.88
APR as low as; Home Mortgage Lending Rates; first APR as-low-as column
APR as low as; Home Mortgage Lending Rates; second APR as-low-as column
As Low As; Rate fixed for 15 years, then adjusts once at 15 years; rate can increase by no more than 6.00% at the 15 year adjustment; maximum loan-to-value 95%; valid for owner occupied properties
As Low As; Introductory fixed rate for 5 years, then variable for remaining 25 years (30 year total term), adjusts once per year; Rate and term refinance, single family residence, $500,000 loan, 720 FICO, 60% LTV; Rates updated 10/12/2026
- Oct 15, 20265.99%▲ from 5.87%
- Sep 25, 20265.87%▲ from 5.62%
- Sep 16, 20265.62%first recorded
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available.
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; ARM; APR based on $250,000 loan, 80% LTV, FICO 740+, 60-day rate lock
- Oct 15, 20266.03%▲ from 6.00%
- Sep 14, 20266.00%first recorded
As Low As; Effective 9/17/2026; Adjustable Rate Mortgage: APR may increase after the initial fixed rate period
Mortgage purchase; Fixed for first 5 years, then adjusts periodically
Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Est. payment per $1,000: $6.08
- Oct 14, 20266.15%▼ from 6.17%
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%first recorded
Adjustable Rate Mortgages; Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rate-lock 45 days; assumed credit score 720; LTV below 60% or no-cashout refinance
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%▲ from 6.17%
- Sep 18, 20266.17%▲ from 6.05%
Margin: 2.500%; Caps: 2/2/6; Est. payment per $1,000: $6.08; Index: One-Year CMT; Rate-lock period 45 days
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%first recorded
Margin: 2.500%; Caps: 1/1/4; Index: One-Year Constant Maturity Treasury; Maximum rate and APR over life of loan is 4% from start rate; Last Modified: 10/13/2026
Mortgage refinance; Fixed for first 5 years, then adjusts periodically
6.250% fixed APR for 15 years; homepage promotion
Adjustable Rate Mortgage
- Oct 19, 20266.25%▼ from 7.03%
- Sep 14, 20267.03%first recorded
Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT; Est. payment per $1,000: $6.16
- Oct 14, 20266.27%▼ from 6.30%
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%first recorded
Adjustable Rate Mortgages; Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT; Rate-lock 45 days; assumed credit score 720; LTV below 60% or no-cashout refinance
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%▲ from 6.30%
- Sep 18, 20266.30%▲ from 6.17%
Margin: 2.375%; Caps: 2/2/5; Est. payment per $1,000: $6.16; Index: Five-Year CMT; Rate-lock period 45 days
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%first recorded
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
As Low As; Fixed for first 5 years, then adjusts per current index plus 2% margin every 5 years
- Oct 15, 20266.54%▼ from 6.56%
- Oct 9, 20266.56%▲ from 6.37%
- Sep 25, 20266.37%▲ from 6.19%
- Sep 18, 20266.19%first recorded
Rate may be increased after closing
APR reflects FICO score of 740 or higher, owner-occupied single-family in California, loan-to-value 60% or less; rates subject to change without notice
No additional details available.
Adjustable-Rate Mortgage; Conforming/Super Conforming; Term: 5/1 ARM
Owner Occupied; Super Conforming ARM
- Oct 15, 20266.63%▲ from 6.50%
- Sep 25, 20266.50%first recorded
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
Rate may be increased after closing
Current rate 5.625% (6.705% APR) is subject to change; example based on 30-year 5/5 ARM loan of $300,000; first five years
- Oct 10, 20266.71%▲ from 6.58%
- Sep 27, 20266.58%▲ from 6.43%
- Sep 22, 20266.43%▼ from 6.53%
- Sep 18, 20266.53%▲ from 6.46%
Refinance only; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.450%
Refinance Adjustable Rate Loan; Amount: $50,000 to $832,750
- Oct 10, 20266.73%▲ from 6.31%
- Sep 14, 20266.31%first recorded
No additional details available.
- Oct 19, 20266.74%▼ from 6.82%
- Oct 13, 20266.82%first recorded
Adjustable-Rate Mortgage; Conforming/Super Conforming; Term: 5/5 ARM
Payments: 1st 60 payments; Est. payment per $1,000 borrowed: $5.92; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.450%; Loan amounts $50,000 - $832,750
Loan amounts from $50,000 - $1,500,000; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.450%; Estimated payment per $1,000 borrowed: 1st 60 payments $6.00, 61-72 payments $7.18, 73-84 payments $8.42, 85-96 payments $9.06
- Oct 13, 20266.78%▼ from 6.81%
- Oct 2, 20266.81%▲ from 6.58%
- Sep 17, 20266.58%first recorded
No PMI Adjustable-Rate Mortgage (ARM); Fixed period: 1st 60 payments; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.450%
- Oct 2, 20266.81%▲ from 6.58%
- Sep 17, 20266.58%first recorded
Origination Fee: $1,425; P&I Payments: $1,822.83; Index: 1 Year US Treasury CMT; margin 2.75%; 2% annual rate cap; 6% lifetime rate cap; CLTV up to 97%
Jumbo mortgage; based on 65% LTV, credit score 740, 60-day lock; rates shown for New York only
- Oct 14, 20266.83%▲ from 6.76%
- Oct 7, 20266.76%▲ from 6.75%
- Oct 1, 20266.75%first recorded
Refinance only; Rate adjusts every 5 years; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 5.030%
Fixed and Adjustable Rate Mortgages; Adjustable-Rate Mortgage
- Oct 14, 20266.86%▲ from 6.48%
- Sep 14, 20266.48%first recorded
Conform / Jumbo: Up to $806,500
- Oct 5, 20266.86%▲ from 6.57%
- Sep 14, 20266.57%first recorded
Home Loans up to $832,750
As Low As; ARM; APR based on $250,000 loan, 80% LTV, FICO 740+, 60-day rate lock
- Oct 15, 20266.88%▲ from 6.37%
- Sep 14, 20266.37%first recorded
Rate adjusts every 5 years; Payments: 1st 60 payments; Est. payment per $1,000 borrowed: $6.00; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 5.030%; Loan amounts $50,000 - $832,750
Loan amounts from $50,000 - $1,500,000; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 5.030%; Estimated payment per $1,000 borrowed: 1st 60 payments $6.08, 61-120 payments $7.27, 121-180 payments $8.38, 181-240 payments $9.36
El Sobrante 30-Year Jumbo Mortgage Rates
As Low As; Origination/Discount Fee: 0.750%; Mortgage Rates as of October 13, 2026
As Low As; Origination/Discount Fee: 0.750%; Mortgage Rates as of October 13, 2026
Portfolio; Jumbo; P&I per $100,000: $615.72
- Oct 19, 20266.28%▲ from 5.78%
- Sep 29, 20265.78%first recorded
Rate Details For Purchase Rates Jumbo Loans 7-Year SOFR ARM; indexed to 30-day Average SOFR with a margin of 2.750%; initial rate fixed for 84 months, then adjusts every six months
Rate Details For Purchase Rates Jumbo Loans 10-Year SOFR ARM
Purchase; table caption says Jumbo Loans; initial rate fixed for first 60 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin; rates as of 10/16/2026
- Oct 19, 20266.38%▼ from 6.43%
- Oct 13, 20266.43%▲ from 6.35%
- Oct 9, 20266.35%first recorded
Adjustable-rate mortgage; Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.40%▲ from 6.27%
- Oct 1, 20266.27%▼ from 6.52%
- Sep 27, 20266.52%first recorded
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
- Oct 10, 20266.56%▲ from 6.12%
- Sep 14, 20266.12%first recorded
As Low As; Rate and APR apply for first 7 years; Current Calculation of Rate Remaining Term: 7.375%; Payment Per $1,000 Financed: $6.24; Jumbo loan
Refinance Rates Jumbo Loans; initial rate fixed for first 84 months, then adjusts every six months; indexed to 30-day SOFR with 2.750% margin; rate lock 45 days; assumed credit score 740
- Oct 19, 20266.57%▼ from 6.63%
- Oct 2, 20266.63%▲ from 6.39%
- Sep 22, 20266.39%first recorded
Jumbo refinance; initial rate fixed for first 60 months, then adjusts every six months; indexed to 30-day Average SOFR with margin 2.750%; assumes $900,000 loan amount and $1,200,000 property value; rate lock 45 days
- Oct 19, 20266.59%▼ from 6.81%
- Oct 13, 20266.81%▲ from 6.63%
- Oct 2, 20266.63%▲ from 6.39%
- Sep 22, 20266.39%first recorded
Jumbo Loans $1,249,126 to $2,000,000 with no points; adjustable-rate loan; actual APR may differ depending on credit qualifications; APR as of October 14, 2026
Fixed rate; amounts up to $1,500,000; Rates effective September 21, 2026
Adjustable-Rate Mortgage; Jumbo ARM; Term: 7/1 Jumbo ARM
- Oct 13, 20266.65%▲ from 6.53%
- Sep 14, 20266.53%first recorded
First Mortgages - Jumbo Loans; Adjustable rate; may increase after initial fixed period
APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less; Investment Property: add 0.50 basis points to Rate; LTV greater than 80%: add 0.25 basis points to Rate
APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less; Investment Property: add 0.50 basis points to Rate; LTV greater than 80%: add 0.25 basis points to Rate
Jumbo refinance; initial rate fixed for first 120 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin; 45-day rate lock; assumed credit score 740
- Oct 19, 20266.72%▼ from 6.81%
- Oct 13, 20266.81%first recorded
Fixed rate; amounts up to $1,500,000; Rates effective September 21, 2026
First Mortgages - Jumbo Loans; Adjustable rate; may increase after initial fixed period
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
- Oct 10, 20266.74%▲ from 6.28%
- Sep 14, 20266.28%first recorded
Jumbo loan over $1,209,750; Payment:; Rates effective 10/13/2026
Fixed rate; amounts up to $1,500,000; Rates effective September 21, 2026
As Low As; Rate and APR apply for first 7 years; Current Calculation of Rate Remaining Term: 7.375%; Payment Per $1,000 Financed: $6.40; Jumbo loan; Loan-to-value above 80%
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (7/6 ARM)
- Oct 15, 20266.86%▲ from 6.80%
- Oct 13, 20266.80%▼ from 6.87%
- Oct 9, 20266.87%▲ from 6.80%
- Oct 5, 20266.80%▲ from 6.55%
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Rate Details For Purchase Rates Jumbo Loans 30-Year Fixed; rate lock 30 days; assumed credit score 740; loan amount $900,000; estimated property value $1,200,000; existing single family primary residence; escrow account required
Jumbo loan; Loan amounts up to $2.5 million; Purchase | No cash-out refinance | Single-family home | Primary residence; Limited-time offer; APR based on 20% down or 80% CLTV, FICO 700+, $1,249,125 loan amount
Fixed rate; amounts up to $1,500,000; Rates effective September 21, 2026
Jumbo loan over $1,209,750; Payment:; Rates effective 10/13/2026
Jumbo mortgage adjustable rate mortgage; 65% LTV, credit score 740, 15 days prepaid interest, 60-day lock; rates shown for New York only
APR as low as; Home Mortgage Lending Rates; first APR as-low-as column
Annual Percentage Rate reflects FICO 700 or higher; owner-occupied primary residence, single-family, California, 60% LTV or less, no cash-out
- Oct 10, 20267.02%▲ from 6.64%
- Sep 18, 20266.64%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Jumbo mortgage adjustable rate mortgage; 65% LTV, credit score 740, 15 days prepaid interest, 60-day lock; rates shown for New York only
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
- Oct 10, 20267.11%▲ from 6.57%
- Sep 14, 20266.57%first recorded
Jumbo Fixed-Rate Mortgage; Rate and terms as of 10/18/2026
- Oct 19, 20267.12%▼ from 7.47%
- Oct 9, 20267.47%▼ from 7.63%
- Oct 1, 20267.63%▲ from 7.22%
- Sep 22, 20267.22%first recorded
As Low As; Finance higher-priced homes without a large down payment or multiple mortgages.
- Oct 1, 20267.13%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.63%
- Sep 14, 20266.63%first recorded
Loan Amount: $832,751 - $5,000,000; 660 FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence
- Oct 19, 20267.17%▼ from 7.42%
- Oct 13, 20267.42%first recorded
Annual Percentage Rate reflects FICO 700 or higher; owner-occupied primary residence, single-family, California, 60% LTV or less, no cash-out
- Oct 10, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%▲ from 6.67%
- Sep 14, 20266.67%first recorded
APR as low as; Home Mortgage Lending Rates; second APR as-low-as column
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
Jumbo refinance; 30-Year Fixed; Rate lock period 45 days; assumed credit score 740; escrow (impound) account required
Fixed and Adjustable Rate Mortgages
- Oct 14, 20267.29%▲ from 6.92%
- Sep 14, 20266.92%first recorded
Home Loans Over $832,750; Jumbo; Purchase
- Oct 13, 20267.30%▼ from 7.43%
- Oct 9, 20267.43%▲ from 7.30%
- Oct 5, 20267.30%▼ from 7.43%
- Oct 2, 20267.43%▲ from 7.30%
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
Loan amounts from $832,751 - $3,000,000; Par option shown (other options: 7.125% / 7.24% / 1.000 points; 7.625% / 7.64% / -1.000 points); Loan amounts greater than $2,000,000 subject to additional rate adjustment of 0.25%; Maximum LTV 80% for loans up to $3,000,000; Eligible: single-family homes and condominiums; PMI required for down payments less than 20%
- Oct 15, 20267.39%▼ from 7.42%
- Oct 13, 20267.42%first recorded
Rates Effective as of: October 13, 2026; Jumbo loans amounts vary and depend on property location; Maximum Loan Amount: Up to 80% combined loan to value; Rates based on single unit primary residence, 60% CLTV, 760+ credit
Rates effective October 18, 2026; APR = Annual Percentage Rate
- Oct 19, 20267.42%▼ from 7.67%
- Sep 29, 20267.67%▲ from 7.29%
- Sep 18, 20267.29%▲ from 7.17%
- Sep 14, 20267.17%first recorded
El Sobrante 15-Year Jumbo Mortgage Rates
As Low As; Origination/Discount Fee: 0.750%; Mortgage Rates as of October 13, 2026
Fixed rate; amounts up to $1,500,000; Rates effective September 21, 2026
Rates effective October 18, 2026; APR = Annual Percentage Rate
- Oct 19, 20266.67%▼ from 6.79%
- Oct 9, 20266.79%▼ from 6.92%
- Oct 2, 20266.92%▲ from 6.79%
- Sep 29, 20266.79%▲ from 6.53%
Fixed rate; amounts up to $1,500,000; Rates effective September 21, 2026
Rates Effective as of: October 13, 2026; Jumbo loans amounts vary and depend on property location; Maximum Loan Amount: Up to 80% combined loan to value; Rates based on single unit primary residence, 60% CLTV, 760+ credit
Jumbo loan over $1,209,750; Payment:; Rates effective 10/13/2026
Purchase transactions only; Jumbo loan amounts; Estimated payment per $1,000 Borrowed: $8.85; Other point options: 6.500% / 6.73% APR / 1.000 points / $8.71; 7.000% / 7.07% APR / -1.000 points / $8.99
- Oct 15, 20266.82%▼ from 6.90%
- Oct 2, 20266.90%▲ from 6.81%
- Sep 29, 20266.81%▲ from 6.65%
- Sep 18, 20266.65%▲ from 6.44%
Jumbo Fixed-Rate Mortgage; Rate and terms as of 10/18/2026
- Oct 19, 20266.88%▼ from 7.15%
- Oct 9, 20267.15%▲ from 7.13%
- Oct 1, 20267.13%▲ from 6.76%
- Sep 22, 20266.76%first recorded
Loan amounts from $832,751 - $3,000,000; Par option shown (other options: 6.625% / 6.81% / 1.000 points; 7.125% / 7.15% / -1.000 points); Loan amounts greater than $2,000,000 subject to additional rate adjustment of 0.25%; Maximum LTV 80% for loans up to $3,000,000; Eligible: single-family homes and condominiums; PMI required for down payments less than 20%
- Oct 15, 20266.90%▲ from 6.82%
- Oct 13, 20266.82%first recorded
Fixed rate
Jumbo loan over $1,209,750; Payment:; Rates effective 10/13/2026
Jumbo loan; Loan amounts up to $2.5 million; Purchase | No cash-out refinance | Single-family home | Primary residence; Limited-time offer; APR based on 20% down or 80% CLTV, FICO 700+, $1,249,125 loan amount
Advertised rate: single-family primary residence, 720 FICO, 20% down; Rates as of Oct 13, 2026 ET
Loan Amount: $832,751 to $2,500,000
Loan amount: $832,751 to $2,500,000
Jumbo Loans $1,249,126 to $2,000,000 with no points; APR as of October 14, 2026; best rates require FICO 730 or higher; valid up to 80% CLTV for primary residence
Jumbo; Rates effective October 16, 2026
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
First Mortgages - Jumbo Loans
Home Loans Over $832,750; Jumbo; Purchase
- Oct 5, 20267.34%▼ from 7.46%
- Sep 29, 20267.46%▲ from 7.34%
- Sep 25, 20267.34%▲ from 6.96%
- Sep 17, 20266.96%▲ from 6.83%
Loan amount $940,000; down payment of at least 25%
Owner Occupied; Effective Date: Wednesday, October 14th, 2026; based on FICO 620 and above; jumbo loans over $1,249,125.01 add .50%
Loan amount $940,000 with at least 25% equity
Jumbo Loans $1,249,126 to $2,000,000 with no points; Rental Property; Rates valid up to 75% CLTV for rental properties; Best rates posted based on FICO score of 730 or higher
El Sobrante 5/1 Jumbo ARM Mortgage Rates
APR as low as; Home Mortgage Lending Rates; first APR as-low-as column
As Low As; Jumbo loan (over $766,550); Rate fixed for first 5 years; Current Calculation of Rate Remaining Term: 6.625%
APR as low as; Home Mortgage Lending Rates; second APR as-low-as column
As Low As; Rate fixed for 15 years, then adjusts once at 15 years; for loans over $766,550; rate can increase by no more than 6.00% at the 15 year adjustment; maximum loan-to-value 95%; valid for owner occupied properties
Adjustable-rate mortgage; Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.15%▲ from 6.02%
- Oct 1, 20266.02%▼ from 6.27%
- Sep 27, 20266.27%first recorded
As Low As; Jumbo loan (over $766,550); Loan-to-value over 80%; Rate fixed for first 5 years; Current Calculation of Rate Remaining Term: 6.625%
Adjustable-rate mortgage; Margin: 2.375%; Caps: 2/2/5
- Oct 10, 20266.27%▲ from 6.15%
- Oct 1, 20266.15%▼ from 6.40%
- Sep 27, 20266.40%first recorded
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
Adjustable-Rate Mortgage; Jumbo ARM; Term: 5/1 Jumbo ARM
- Oct 13, 20266.60%▲ from 6.45%
- Sep 14, 20266.45%first recorded
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
- Oct 10, 20266.62%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Adjustable-Rate Mortgage; Jumbo ARM; Term: 5/5 Jumbo ARM
- Oct 19, 20266.72%▼ from 6.79%
- Oct 13, 20266.79%▲ from 6.65%
- Sep 14, 20266.65%first recorded
APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less; Investment Property: add 0.50 basis points to Rate; LTV greater than 80%: add 0.25 basis points to Rate
First Mortgages - Jumbo Loans; Adjustable rate; may increase after initial fixed period
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
- Oct 10, 20266.82%▲ from 6.32%
- Sep 14, 20266.32%first recorded
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (5/6 ARM)
- Oct 15, 20266.83%▲ from 6.75%
- Oct 13, 20266.75%▼ from 6.80%
- Oct 9, 20266.80%▲ from 6.75%
- Oct 5, 20266.75%▲ from 6.53%
Jumbo mortgage adjustable rate mortgage; 65% LTV, credit score 740, 15 days prepaid interest, 60-day lock; rates shown for New York only
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
Adjustable-rate mortgage (5/1 ARM)
- Oct 14, 20268.21%▲ from 6.93%
- Oct 1, 20266.93%▲ from 6.56%
- Sep 14, 20266.56%first recorded
El Sobrante FHA Loan Rates
Rates effective October 18, 2026; APR = Annual Percentage Rate
Government; 1st Adj Rate N/A
Government; P&I per $100,000: $656.93
Government; FHA; P&I per $100,000: $656.93
Refinance only; loan amounts $50,000 - $1,249,125; par option shown (other options: 6.250% / 7.10% APR at 1.000 points; 6.750% / 7.44% APR at -1.000 points)
Government; FHA; 1.000 points; P&I per $100,000: $656.93
FHA fixed-rate mortgage, purchase only; par option of 6.250%/7.17%/1.000 pts and 6.750%/7.51%/-1.000 pts also published; loan amounts $50,000 - $1,249,125; minimum down payment 3.5%; APR includes mortgage insurance and 15 days prepaid interest; rates effective 10/15/2026
Rate Details For Purchase Rates Conforming and Government Loans; loan purpose: purchase; example assumptions: $300,000 loan, $400,000 property value, Sacramento, CA, 740 credit score, 30-day rate lock
No additional details available.
As Low As; Government Rates; Discount points 0.5%
- Oct 19, 20267.77%▲ from 7.35%
- Sep 17, 20267.35%first recorded
No additional details available.
Rates effective October 18, 2026; APR = Annual Percentage Rate
- Oct 19, 20267.92%▲ from 7.79%
- Oct 2, 20267.79%▲ from 7.42%
- Sep 14, 20267.42%first recorded
As Low As; Government Rates; Discount points 0.0%
- Oct 19, 20267.97%▼ from 8.10%
- Oct 9, 20268.10%▲ from 7.97%
- Oct 5, 20267.97%▼ from 8.10%
- Oct 2, 20268.10%▲ from 7.97%
No additional details available.
Refinance only; loan amounts $50,000 - $1,249,125; par option shown (other options: 7.125% / 7.96% APR at 1.000 points; 7.625% / 8.36% APR at -1.000 points)
FHA fixed-rate mortgage, purchase only; par option of 7.125%/8.01%/1.000 pts and 7.625%/8.41%/-1.000 pts also published; loan amounts $50,000 - $1,249,125; minimum down payment 3.5%; APR includes mortgage insurance and 15 days prepaid interest; rates effective 10/15/2026
No additional details available.
Loan amount $270,019; down payment of at least 3.5%
Loan amount $270,019 with at least 3.5% equity; assumes FICO 680+
El Sobrante VA Loan Rates
No additional details available.
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (5/6 ARM)
- Oct 15, 20266.83%▲ from 6.75%
- Oct 13, 20266.75%▼ from 6.80%
- Oct 9, 20266.80%▲ from 6.75%
- Oct 5, 20266.75%▲ from 6.53%
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (7/6 ARM)
- Oct 15, 20266.86%▲ from 6.80%
- Oct 13, 20266.80%▼ from 6.87%
- Oct 9, 20266.87%▲ from 6.80%
- Oct 5, 20266.80%▲ from 6.55%
Home Loans up to $832,750
Home Loans up to $832,750
Rates as of Oct 13, 2026 ET. Rates subject to change.
Government; VA; 1.000 points; P&I per $100,000: $648.60
- Oct 19, 20266.99%▼ from 7.23%
- Oct 9, 20267.23%▼ from 7.24%
- Sep 29, 20267.24%first recorded
As Low As; Interest rates and APRs are the lowest offered and based on approved credit; Course of Construction Insurance is required; Adjustable APRs maximum 18%; Rates effective Tuesday, July 15, 2025 12:00 AM MST
Rates as of Oct 13, 2026 ET. Rates subject to change.
As of October 16, 2026
- Oct 14, 20267.18%▲ from 6.80%
- Sep 14, 20266.80%first recorded
Government; 1st Adj Rate N/A
- Oct 15, 20267.20%▲ from 7.07%
- Oct 5, 20267.07%▼ from 7.33%
- Sep 29, 20267.33%first recorded
Government; VA; P&I per $100,000: $673.72
- Oct 19, 20267.27%▼ from 7.40%
- Oct 9, 20267.40%▲ from 7.27%
- Oct 2, 20267.27%▼ from 7.40%
- Sep 29, 20267.40%first recorded
Government; P&I per $100,000: $682.18
- Oct 15, 20267.35%▲ from 7.09%
- Oct 5, 20267.09%▼ from 7.22%
- Oct 2, 20267.22%first recorded
Loan amount $383,625; no down payment
As of October 16, 2026
- Oct 14, 20267.56%▲ from 6.92%
- Sep 14, 20266.92%first recorded
As Low As; Government Rates; Discount points 0.0%
- Oct 19, 20267.60%▼ from 7.73%
- Oct 9, 20267.73%▲ from 7.60%
- Oct 5, 20267.60%▼ from 7.73%
- Oct 2, 20267.73%▲ from 7.60%
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
El Sobrante, CA Mortgage Rate Trends
Compare local El Sobrante, CA mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
California 30-year fixed rates rose 0.014 points over the past 7 days to 7.352%.
California 15-year fixed rates rose 0.008 points over the past 7 days to 6.918%.
California Mortgage Rate Forecast, Next 12 Months
Where are California mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for El Sobrante, CA Home Buyers
Monthly principal & interest payment on El Sobrante, CA median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (CA avg) | 7.352% | $1,673 | 20.2% | |
| 6-Month Forecast | 7.352% (7.00, 7.65%) | $1,673 | +$0/mo | 20.2% |
| 12-Month Forecast | 7.602% (7.25, 7.90%) | $1,714 | +$42/mo | 20.8% |
Income column = annual mortgage payment as % of El Sobrante, CA median household income ($99,122). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for El Sobrante, California , computed from local Census Bureau data combined with current California mortgage rates. Based on California statewide data for this location.
What This Score Means for El Sobrante, California Home Buyers
With a score of 78.5, El Sobrante, California is 18.6 points less affordable than the national average of 97.1. The area’s median home value of $734,700 against a median household income of $99,122 produces a price-to-income ratio of 7.4x , well above the national norm, meaning buyers here need to stretch further relative to their income. At the current California mortgage rate of 7.352%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $4,050 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $2,221, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $487/month ($5,839/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from California statewide U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current California live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in El Sobrante, California
El Sobrante, California Housing Market Overview
City-level home value data is not available for El Sobrante ; figures below reflect California statewide data.
The California statewide median owner-occupied home value is approximately $734,700, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
El Sobrante, California Homeownership Rate
With a homeownership rate of 55.3%, significantly below the national average of 65.7%, El Sobrante, California has a large pool of potential buyers actively competing for available properties. The homeowner vacancy rate of 1.3% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for El Sobrante, California Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.852% | 30-year fixed | $2,622 | $543,766 |
| 7.352% Current Avg | 30-year fixed | $2,756 | $592,316 |
| 7.852% | 30-year fixed | $2,894 | $641,802 |
| 6.918% | 15-year fixed | $3,577 | $243,860 |
A 0.500% rate increase on a $400,000 loan adds roughly $137 per month and over $49,486 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a El Sobrante, California buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
El Sobrante, California Income & Housing Affordability
City-level Census data is not available for El Sobrante ; figures below reflect California statewide data.
At a price-to-income ratio of 7.4x, California is a high-cost housing market where the ratio of home prices to local incomes is well above the national norm. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for California Buyers
With a median household income of $99,122 per year in California statewide ($8,260/month) and a median home value of approximately $734,700, a buyer financing at 80% LTV at the current average rate would commit roughly 33.4% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in El Sobrante, California
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in El Sobrante, California. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In El Sobrante, California, the median homeowner with a mortgage pays approximately $2,221/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $2,036/month including utilities. The $185/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $487/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In El Sobrante, California, 38% of homeowners with mortgages are cost burdened and 53% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. The 38% owner burden rate, well above the national average of 28.0%, underscores why securing the lowest possible mortgage rate is especially important here. Even a 0.25% rate reduction on a median-priced home can move a buyer from cost-burdened to within the manageable threshold.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
El Sobrante, California Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s El Sobrante, California rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your El Sobrante, California Home Loan
Rates are only part of the equation. Use these calculators to translate current El Sobrante, California mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current El Sobrante, California rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in El Sobrante, California.
CalculateTypes of Mortgages Available in El Sobrante, California
Not every loan program is right for every buyer in El Sobrante, California. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s El Sobrante, California rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in El Sobrante, California, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In El Sobrante, California, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for El Sobrante, California is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our El Sobrante, California mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for El Sobrante, California directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in El Sobrante, California. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in El Sobrante, California
A mortgage is a loan used to buy a home in El Sobrante, California, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for El Sobrante, California Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a El Sobrante, California homeowner’s principal-and-interest payment never changes. For example, Safe 1 Credit Union is listing a 30-Year Fixed Rate at 6.00%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit El Sobrante, California borrowers who expect to move or refinance before that point. On the adjustable-rate side, Noble Federal Credit Union is listing a Adjustable 5/6 ARM at 5.00%.
How El Sobrante, California Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a California borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in El Sobrante, California
The interest rate is not the only cost of buying a home in El Sobrante, California. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps El Sobrante, California shoppers account for these costs when weighing lenders.
When El Sobrante, California Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For El Sobrante, California homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current El Sobrante, California refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in El Sobrante, California
What are home loan rates in El Sobrante, CA today?
How does my credit score affect my rate in California?
What is a 30-Year Fixed Mortgage?
What are closing costs in California?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in El Sobrante, California?
Do I need 20% down to buy a house in California?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in El Sobrante, California?
How do I get mortgage quotes in El Sobrante, California?
What is the homeownership rate in El Sobrante, California?
What is the conforming loan limit in El Sobrante, California?
What is the median monthly cost of homeownership in El Sobrante, California?
What are the median property taxes in El Sobrante, California?
What is the median rent in El Sobrante, California?
What percentage of homeowners are cost burdened in El Sobrante, California?
What percentage of renters are cost burdened in El Sobrante, California?
What are the best Mortgage rates in El Sobrante, California?
- Safe 1 Credit Union: 6.00% (30-Year Fixed Rate)
- ILWU Federal Credit Union: 6.25% (First Mortgage - Conforming 30 Year Fixed)
- Educational Employees Credit Union: 6.25% (30 Year Fixed Rate - Primary Residence)
- Partners Federal Credit Union: 6.482% (30 Yr Fixed)
- Certified Federal Credit Union: 6.50% (Fixed-Rate Mortgages - 30-Year Fixed)
El Sobrante, California Rates & Resources
