Home + Mortgage Intelligence — Not a ListingPending
1093 camino caballo
nipomo, ca 93444
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 baPROPERTY FACT
Square footage2,194 sqftPROPERTY FACT
List price$1,290,000PROPERTY FACT
Automated valuation (AVM)$1,463,500ESTIMATEAveraged from: Redfin scrape estimate (canonical), Redfin scrape estimate (snapshot)
Comparable sales MARKET FACT
1085 Camino Caballo, Nipomo, CA 93444$1,450,000 · Mar 2026
1105 Camino Caballo, Nipomo, CA 93444$1,525,000 · Feb 2026
975 N Thompson Rd, Nipomo, CA 93444$1,395,000 · Apr 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$1,032,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACTFHFA 2026 conforming loan limit, California
Market rate anchor6.648%MARKET FACTOBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-21
Illustrative rate (after LLPA)6.898%DERIVED CALCULATION1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$6,795/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 FACTActual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$323/moESTIMATEHomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$7,935/moDERIVED CALCULATION
4Market & Location Intelligence
No market or location intelligence on record for this property.
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 CALCULATIONListed -11.9% vs AVM $1464K
Market fit65/100DERIVED CALCULATIONMarket data limited
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: 6/4/2026
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: 2026-08-21 (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.