Home + Mortgage Intelligence — Not a ListingPending

9001 cerise ln #109

cypress, ca 90630

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 / Baths1 bd / 1 baPROPERTY FACT
Square footage763 sqftPROPERTY FACT
List price$456,000PROPERTY FACT
Automated valuation (AVM)$449,874ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
9001 Cerise Ln #111, Cypress, CA 90630—
9001 Cerise Ln, Cypress, CA 90630$557,100 · Oct 2025
9001 Cerise Ln, Cypress, CA 90630$484,950 · Aug 2025

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$364,800DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.881%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-09-11
Illustrative rate (after LLPA)6.881%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$2,398/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.)$289/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$114/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$2,801/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market52dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Quiet suburban Cypress setting ideal for active 62+ adults seeking low-maintenance community living with resort amenities. Strengths include new construction quality and social features; risks center on income/age restrictions limiting resale pool. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Average
Safety
Low Crime
Amenities & Commute
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 fit76/100DERIVED CALCULATION
Listed +1.4% vs AVM $450K
Market fit79/100DERIVED CALCULATION
Median DOM 52d, sale-to-list 1.0%
Location fit68/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Some Transit, Bike Score: Bikeable.
Key strengths
  • Resort-style 62+ community amenities
  • Brand-new construction with modern features
  • Safe, calm neighborhood in desirable OC location
Key concerns
  • Income and age restrictions limit buyer pool
  • HOA fees add to monthly costs
  • Limited walkability and transit options
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: 9/11/2026
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: 2026-09-11 (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.