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Visalia

Current Mortgage Rates in Visalia, California

Compare mortgage rates and fees for leading lenders in Visalia, CA. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Visalia.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Visalia. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates in Visalia, CA as of September 25, 2020

FREEandCLEAR Exlusive Lender

Low Rates
No Bait & Switch
Online App
2.622% APR Rate: 2.500%
30 Yr Fixed30 Yr Fixed
Points: 1.0
Rate Lock: 60 days
NMLS: 357085  LICENSE: CA 00532825
Terms & Conditions
Ask about no closing cost options
APR
2.622%
Rate
2.500%
Points
1.0
Rate Lock
60 days
NMLS: 357085
LICENSE: CA 00532825

Terms & Conditions
Ask about no closing cost options
Loan terms assume conforming mortgage amount, 80% LTV ratio and minimum borrower credit score of 740. Purchases and rate and term refinances only. $150,000 minimum mortgage amount. Borrower is responsible for $995 lender fee. Loan terms are subject to change without notice.
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.
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How Do Today's Visalia, CA Mortgage Rates Compare?

September 25, 2020

The current average rate for a 30 year fixed rate mortgage in Visalia is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Visalia, CA Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.650%
15 Year Fixed Rate
B.BBB%
3.090%
5/1 Adjustable Rate Mortgage
C.CCC%
3.390%

How Affordable is Housing in Visalia, California?

Below we provide helpful information on the real estate market, home prices and housing affordability in Visalia. Understand how much you need to earn to afford a home in Visalia, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Visalia fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Visalia is right for you.

The median home value for Visalia, CA (Tulare County) is $228,902

Based on current mortgage rates and a 10% down payment, you need to make $41,196 per year to buy the median priced home in Visalia

With this income, you could qualify for a $206,012 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Visalia is $954

The median household income for Visalia, CA (Tulare County) is $47,323

Based on this income, you can afford a home valued at approximately $262,942

The home price you can afford to buy based on household income in Visalia is 115% of the median home value which means housing prices are average. Visalia (Tulare County) ranks 8 out of 58 counties in California and 2,894 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Visalia, CA is average

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Loan Limits for Visalia, California

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Visalia (Tulare County) below.

Conforming loan limits for Visalia, CA

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Visalia, CA

1 unit: $331,760
2 units: $424,800
3 units: $513,450
4 units: $638,100

VA loan limits for Visalia, CA

1 unit: $510,400

Additional Mortgage Resources for Visalia, CA Residents

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