Mortgage Loans in Modesto, CA

Looking for the best FHA rate in Modesto, CA? Compare offers from trusted local lenders to find competitive rates and low down payment options tailored to your needs. Whether you’re a first-time buyer or refinancing, there’s a great deal waiting for you right here in Modesto.

Get personalized support and quick approvals from lenders who understand the Modesto market. With flexible terms and expert guidance, you can confidently take the next step toward owning your dream home without the hassle or confusion. Start comparing today and make homeownership simpler.

PurchaseRefinanceData Analysis

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Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
penfed
Conv
6.25 %
6.434 %
30 Yrs
∞
safecu
Conv
6.63 %
6.63 %
30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Pentagon offers 30-year Conventional Fixed and 30-year VA Fixed loans at 6.25% today. The 30-year FHA Fixed and VA Fixed loans are both at 5.75%. Rates have held steady over the past week and month. Safe offers a 30-year conventional fixed mortgage at 6.63% today. This rate is up 13 bp from last week and 38 bp higher than a month ago.

Market Indicators - Data & Insights:

Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.

🏦 Local Lenders in Modesto, CA

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🏘️ All the Lenders Available in Stanislaus County, CA

✅VALLEY FIRST CREDIT UNION
✅SELFHELP CREDIT UNION
✅MOCSE FEDERAL CREDIT UNION
✅MODESTOS FIRST CREDIT UNION
✅CALIFORNIA COMMUNITY CREDIT UNION
✅ROLLING F CREDIT UNION
✅THE GOLDEN 1 CREDIT UNION
✅ORGANIZED LABOR CREDIT UNION

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Why compare Mortgage Loans in Modesto, CA on LendMesh

If you're searching for the best FHA rate in Modesto, CA, it’s wise to keep exploring multiple lenders on LendMesh. Comparing different offers helps you uncover better deals and potentially lower rates that suit your needs. Taking a little extra time now can make a big difference in your loan terms and monthly payments, giving you more confidence in your home financing decision.

Consider subscribing to LendMesh’s alerts to stay informed effortlessly. Simply set your target rate, like 4% or 5%, and receive notifications as soon as offers dip below your goal. With weekly or monthly updates featuring expert insights, market trends, and carefully selected loan deals, Modesto borrowers can stay ahead and seize the best opportunities without the hassle of constant searching.

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