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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.941%APR 6.979% | 0 pts$0 | $2,255/moP&I $2,255 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.952%APR 6.722% | 0 pts$0 | $2,229/moP&I $2,070 · MI $159 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.077%APR 6.131% | 0 pts$0 | $2,062/moP&I $2,062 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.957%APR 6.995% | 0 pts$0 | $2,259/moP&I $2,259 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.691% | 0 pts$0 | $2,414/moP&I $2,414 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 6.077% | 6.131% | 0 pts ($0) | $2,892/mo | $58,236 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.001% | 6.054% | 0 pts ($0) | $3,598/mo | $80,170 |
Condo 10% Down | 10% | 720 credit score | 7.263% | 7.436% | 0 pts ($0) | $2,621/mo | $92,162 |
Conventional 10% Down | 10% | 720 credit score | 6.767% | 6.927% | 0 pts ($0) | $2,493/mo | $86,426 |
Conventional 20% Down | 20% | 740 credit score | 6.941% | 6.979% | 0 pts ($0) | $2,255/mo | $69,914 |
Conventional 5% Down | 5% | 700 credit score | 7.071% | 7.553% | 0 pts ($0) | $2,714/mo | $94,937 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.383% | 7.424% | 0 pts ($0) | $2,947/mo | $101,388 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,523/mo | $85,476 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.828% | 7.206% | 0 pts ($0) | $2,704/mo | $97,629 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.957% | 6.995% | 0 pts ($0) | $2,824/mo | $95,911 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,518/mo | $83,874 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.952% | 6.722% | 0 pts ($0) | $2,497/mo | $87,457 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,583/mo | $90,421 |
FHA Streamline Refi | 0% | 640 credit score | 6.072% | 6.844% | 0 pts ($0) | $2,621/mo | $92,193 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.028% | 7.274% | 0 pts ($0) | $2,702/mo | $98,057 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,667/mo | $52,218 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.691% | 0 pts ($0) | $2,263/mo | $72,141 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,298/mo | $71,806 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,479/mo | $76,006 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.313% | 7.089% | 0 pts ($0) | $2,594/mo | $92,000 |
Second Home 10% Down | 10% | 720 credit score | 5.957% | 6.531% | 0 pts ($0) | $2,290/mo | $77,075 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,242/mo | $69,328 |
VA 0% Down | 0% | 700 credit score | 6.074% | 6.320% | 0 pts ($0) | $2,632/mo | $87,073 |
VA Cash-Out Refi | 0% | 640 credit score | 6.078% | 6.449% | 0 pts ($0) | $2,633/mo | $87,125 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.085% | 6.239% | 0 pts ($0) | $2,635/mo | $87,217 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,346/mo | $74,213 |
Frequently Asked Questions
What are today's mortgage rates in 06336, , CT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 06336, , CT is 6.941% (with an estimated monthly payment of $1,885). Active program rates also include FHA 30-year fixed loans at 5.952% and VA 0%-down fixed loans at 6.074%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 06336, , CT?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 06336, , CT have fluctuated between a low of 6.592% and a high of 7.041%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 06336, , CT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $426,306 in 06336, , CT, a standard 20%-down Conventional loan requires an upfront cash down payment of $85,261 but keeps your monthly payment lower at $1,885/mo (at 6.941% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,921 (3.5% down) but has an estimated payment of $2,086/mo (at 5.952% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $411,385 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 06336 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 06336 is $806,501. With a typical local home value of $426,306 in , a standard 20%-down mortgage requires a loan size of $341,045. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 06336, , CT impact estimated mortgage payments?
The median home value in 06336, , CT is estimated at $426,306. Buying a typical home here with a standard 20% down payment ($85,261) translates to an estimated starting monthly mortgage payment of $1,885 (principal and interest). Compared to the local area median household income of $108,754 ($9,063/mo), this basic housing payment represents approximately 20.8% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.