Home + Mortgage Intelligence — Not a ListingPending

16398 veterans way

tustin, ca 92782

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 / Baths4 bd / 3.5 baPROPERTY FACT
Square footage2,489 sqftPROPERTY FACT
List price$1,740,000PROPERTY FACT
Automated valuation (AVM)$2,925,110ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
16337 Veterans Way, Tustin, CA 92782$1,398,000 · Oct 2024
16376 Veterans Way, Tustin, CA 92782$2,100,000 · Sep 2025
16340 Veterans Way, Tustin, CA 92782$1,950,000 · Jul 2025

2Financing Intelligence

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

Illustrative loan amount$1,392,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.521%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.771%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$9,048/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.)$1,102/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$435/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$10,585/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market30dMARKET FACT
Area sale-to-list ratio99.0%MARKET FACT
Upscale master-planned community in Tustin with modern homes, excellent schools, and resort amenities. Strong value in a desirable Orange County location with convenient access to shopping and jobs. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Excellent
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 fit92/100DERIVED CALCULATION
Listed -40.5% vs AVM $2925K
Market fit55/100DERIVED CALCULATION
Median DOM 30d, sale-to-list 99.0%
Location fit82/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Some Transit, Bike Score: Bikeable.
Key strengths
  • Premium new construction with luxury features
  • Community amenities and parks
  • Top-rated schools
Key concerns
  • Higher price point vs area medians
  • Car-dependent for most errands
  • Newer community with evolving infrastructure
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, 8/1/2026

0Sources & Freshness

Property record enriched: 8/1/2026 (source: unknown)
Listing snapshot fetched: 8/1/2026
Valuation, comps, and location intelligence captured: 5/29/2026
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.
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.