Home + Mortgage Intelligence — Not a ListingPending

27842 esporlas

mission viejo, ca 92692

HomeRates.ai is not a listing service and has no listing relationship to this property. This page is the financial and decision-intelligence layer HomeRates.ai builds around a real address, organized into five public intelligence categories — each figure labeled by the kind of claim it is.

1Property & Value Intelligence

Property typeNot resolvedPROPERTY FACT
Beds / Baths2 bd / 2 baPROPERTY FACT
Square footage1,444 sqftPROPERTY FACT
List price$943,000PROPERTY FACT
Automated valuation (AVM)$864,869ESTIMATE
Averaged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
27752 Via Sarasate, Mission Viejo, CA 92692$899,900 · Oct 2026
28032 Calle Casal, Mission Viejo, CA 92692$1,039,900 · Oct 2026
27271 Monforte, Mission Viejo, CA 92692$1,200,000 · Oct 2026
26712 Dulcinea, Mission Viejo, CA 92691$929,800 · Oct 2026
27754 Via Rodrigo, Mission Viejo, CA 92692$980,010 · Oct 2026

2Financing Intelligence

Illustrative scenario only — 20% down, 740 credit score, conventional, 30yr fixed, primary residence. Not a personalized quote or a commitment to lend. ILLUSTRATIVE ASSUMPTION

Illustrative loan amount$754,400DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor7.224%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-10-21
Illustrative rate (after LLPA)7.224%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$5,133/moDERIVED CALCULATION

Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.

LLPA estimates are a pricing calculation only — they do not represent or imply loan eligibility, underwriting approval, or a commitment to lend. Based on the publicly posted Fannie Mae matrix. Actual lender pricing varies by loan program, lender margin, and market conditions. Consult a licensed mortgage professional to determine eligibility.

3Ownership Cost Intelligence

Property tax (est.)$597/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$236/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$5,966/moDERIVED CALCULATION

4Market & Location Intelligence

Nestled in a gated Mediterranean-style community overlooking Lake Mission Viejo, this location offers resort-like amenities and scenic views in a safe, family-friendly neighborhood. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Above Average
Safety
Low Crime
Amenities & Commute
Excellent
Wildfire Risk
Low

5Decision Intelligence

Property-centered only — price-vs-value fit, market fit, and location fit. This is not a buyer-specific affordability score and HomeRates.ai never publishes Personal Fit or any real buyer's Decision Score.

Value fit52/100DERIVED CALCULATION
Listed +9.0% vs AVM $865K
Market fit65/100DERIVED CALCULATION
Market data limited
Location fit78/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Private lake access and community beach
  • Gated security and extensive amenities
  • Proximity to parks and trails
Key concerns
  • Car-dependent for most errands
  • HOA fees apply for shared facilities
  • Limited public transit
What's missing / verify before an offer
  • HOA dues have not been confirmed, so PITIA and the complete monthly housing obligation cannot yet be determined.
  • Current listing status and a personalized rate quote from a licensed lender.

Decision Score L1-L4 (locked 2026-08-19), L2-L4 property-centered subset — computed from cached property intelligence, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: unknown)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 10/23/2026
Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.
Market rate observed: 2026-10-21 (FRED / OBMMI)
Page generated at request time from stored HomeRates.ai intelligence — no figure on this page is generated by an AI model without being labeled as such.