Home + Mortgage Intelligence — Not a ListingPending

3431 bramante ln

dublin, ca 94568

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 / Baths3 bd / 2.5 baPROPERTY FACT
Square footage1,618 sqftPROPERTY FACT
List price$1,290,000PROPERTY FACT
Automated valuation (AVM)$1,334,389ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
3330 Araldi Ln, Dublin, CA 94568$1,290,000 · Jan 2025
3306 Bramante Ln, Dublin, CA 94568$850,000 · Aug 2016
8263 Cardiff Dr, Dublin, CA 94568$1,200,000 · Nov 2025
7347 Ione Ct, Dublin, CA 94568$1,300,000 · Jan 2026
7761 Ironwood Dr, Dublin, CA 94568$1,285,000 · Recent

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$1,032,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.688%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-09-01
Illustrative rate (after LLPA)6.938%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$6,823/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.)$817/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$323/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$7,963/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market35dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Dublin Ranch offers a family-friendly suburban feel with outstanding schools and community facilities in a convenient East Bay location. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Excellent
Safety
Low Crime
Amenities & Commute
Very Good
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 fit84/100DERIVED CALCULATION
Listed -3.3% vs AVM $1334K
Market fit73/100DERIVED CALCULATION
Median DOM 35d, sale-to-list 1.0%
Location fit78/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Some Transit, Bike Score: Bikeable.
Key strengths
  • Excellent schools
  • Community amenities
  • Commute access
Key concerns
  • Moderate walkability
  • Limited transit options
What's missing / verify before an offer
  • HOA fee not confirmed.
  • 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, 9/1/2026

0Sources & Freshness

Property record enriched: 9/1/2026 (source: unknown)
Listing snapshot fetched: 9/1/2026
Valuation, comps, and location intelligence captured: 9/3/2026
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: 2026-09-01 (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.