Melanie VanderpaardtREALTOR® | DRE #02442995
Aerial view of the Silicon Valley and greater Bay Area at dawn

Market & Mortgage Intelligence

Clarity before commitment.

Understand where a market stands and what a monthly commitment truly means — a confidential read on pricing, timing and the range that fits your goals.

Service Areas

The Bay Area communities Melanie knows intimately.

From Santa Clara County and Santa Cruz County to the East Bay and San Francisco, explore each community's character and the considerations that shape a purchase or sale there. For current pricing and timing, request a confidential, up-to-date read from Melanie.

Today's Mortgage Rates

Live national averages, updated weekly.

Published by Freddie Mac's official survey — never estimated on our end. Use them as a benchmark, then get a personalized quote from Vic.

30-Year Fixed

+0.08 pts wk/wk

The most common home loan. Predictable payments over 30 years.

7.03%

National average · APR excl.

15-Year Fixed

+0.16 pts wk/wk

Higher payments, far less interest, and faster equity.

6.42%

National average · APR excl.

FHA

Government-backed loans with lower down-payment options.

National average not yet available from a licensed data source.

Awaiting licensed feed

VA

For eligible veterans and service members.

National average not yet available from a licensed data source.

Awaiting licensed feed

Jumbo

Financing above conforming limits — common in Silicon Valley.

National average not yet available from a licensed data source.

Awaiting licensed feed

Source: Freddie Mac Primary Mortgage Market Survey® via Federal Reserve Economic Data (FRED), St. Louis Fed — updated September 24, 2026. Rates shown are national weekly averages and are not an offer to lend.

Your actual rate depends on credit, loan amount, property and lender underwriting. For a personalized quote, speak with Vic Borelli.

Assess Your Buying Power

Translate a monthly commitment into a purchasing range.

Adjust the figures for an indicative range, then confirm a precise, confidential figure with Melanie and a trusted lender.

$35,000
$2,000,000
7.05%

Prefilled from this week's 30-year fixed average · adjustable

1.5% / yr

Indicative purchasing range

$6,094,933

Est. loan
$4,094,933
Est. principal & interest
$27,381/mo

For illustration only. Not a loan offer, commitment or pre-approval. Actual terms depend on lender underwriting and personal circumstances.

Ready to turn an estimate into a real preapproval? Financing is handled directly by Vic Borelli — Melanie does not process loans through this site.

Positioning

A candid read on your market.

Pricing & absorption

Where comparable residences are truly trading, and how quickly the current market is absorbing them.

Timing strategy

When to enter, list or hold — grounded in the realities of the present cycle rather than headlines.

Negotiating posture

How to position an offer or a listing to protect value and preserve leverage.