$839,767
247 Melinda Way
Oceanside, CA 92057 · 92057 - Oceanside
Open in Maps· Open house Sat, May 30 · 6:30 PM
Open house
Sat, May 30, 6:30 PMAdd to Calendar — times subject to change; confirm with NJV before you go.
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Listing notices & complianceShow
Listing information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by CRMLS or NJV Realty. © Multiple Listing Service. All rights reserved. Listing data may not reflect all real estate activity in the market. Properties may have sold, been withdrawn, or changed price without notice. Square footage, lot size, room counts, and other measurements are approximate and should be independently verified. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. NJV Realty (Advertising Broker, California DRE #02446814) displays listings under the CRMLS IDX program when enabled; listing agent and listing office are identified on each property display.
Mortgage estimate for this home
Payment figures are estimates only — not a loan offer or rate lock. NJV Realty is a real estate brokerage.
Estimated Monthly Payment Range
$5,292 – $5,323/mo
Scenario at 6.50% with a conservative buffer. Not a loan offer or rate lock.
- Principal & Interest$4,246
- Property Tax$770
- Insurance$150
- PMI (est.)$157
- Total Interest (life of loan)$856,862
Based on these assumptions
$5,292 – $5,323/mo estimated range
$839,767 home · $167,953 down (20%) · 30-yr fixed at 6.50% default rate assumption · $9,237/yr tax (~1.10% estimate) · $1,800/yr insurance · $157/mo PMI est. (0.28% of loan).
Even when a market rate snapshot is displayed, mortgage rates change daily and vary by borrower, loan amount, occupancy, and lock period. The rate shown is not guaranteed and is not a rate lock until confirmed in writing by a licensed loan originator.
Payment ranges on this site use stated assumptions — including an estimated interest rate, property tax rate by ZIP (or California average), home insurance by price tier, and HOA dues you provide or we assume. These figures are for budgeting only and are not a loan offer. Your actual monthly payment will depend on your locked rate, credit profile, loan program, impounds, insurance quote, Mello-Roos or special assessments, and other costs determined at application.Private mortgage insurance (PMI) estimates apply when your down payment is less than 20% on conventional loans. PMI amounts shown are calculated from loan-to-value (LTV) and self-reported or selected credit profile — not a quote from a mortgage insurer. FHA, VA, and USDA loans use different mortgage insurance or guarantee structures. PMI on conventional loans is typically cancellable once you reach 78–80% LTV per federal Homeowners Protection Act guidelines, subject to investor and servicer requirements.Information on this page — including payment estimates, rate examples, and pre-qualification discussions — does not constitute a loan offer, loan commitment, rate lock, or guarantee of credit approval. A formal Loan Estimate will be provided after you submit a complete application, as required by the TILA-RESPA Integrated Disclosure rule (TRID), Regulation Z (12 C.F.R. Part 1026) and Regulation X (12 C.F.R. Part 1024). All loans are subject to credit approval, property appraisal, underwriting guidelines, and investor requirements.