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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 | 6.951%APR 6.989% | 0 pts$0 | $1,906/moP&I $1,906 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.955%APR 6.725% | 0 pts$0 | $1,882/moP&I $1,748 · MI $134 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.098%APR 6.152% | 0 pts$0 | $1,744/moP&I $1,744 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.819%APR 6.858% | 0 pts$0 | $1,881/moP&I $1,881 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.696% | 0 pts$0 | $2,038/moP&I $2,038 · 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 | 6.098% | 6.152% | 0 pts ($0) | $2,445/mo | $49,336 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.103% | 6.160% | 0 pts ($0) | $3,057/mo | $68,740 |
Condo 10% Down | 10% | 720 credit score | 7.275% | 7.448% | 0 pts ($0) | $2,215/mo | $77,917 |
Conventional 10% Down | 10% | 720 credit score | 6.776% | 6.937% | 0 pts ($0) | $2,106/mo | $73,045 |
Conventional 20% Down | 20% | 740 credit score | 6.951% | 6.989% | 0 pts ($0) | $1,906/mo | $59,105 |
Conventional 5% Down | 5% | 700 credit score | 7.085% | 7.568% | 0 pts ($0) | $2,294/mo | $80,287 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.395% | 7.436% | 0 pts ($0) | $2,490/mo | $85,718 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,130/mo | $72,155 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.831% | 7.210% | 0 pts ($0) | $2,283/mo | $82,446 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.819% | 6.858% | 0 pts ($0) | $2,351/mo | $79,468 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,970/mo | $70,803 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.955% | 6.725% | 0 pts ($0) | $2,108/mo | $73,860 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,180/mo | $76,329 |
FHA Streamline Refi | 0% | 640 credit score | 6.076% | 6.848% | 0 pts ($0) | $2,213/mo | $77,870 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.042% | 7.289% | 0 pts ($0) | $2,284/mo | $82,920 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,251/mo | $44,081 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.696% | 0 pts ($0) | $1,910/mo | $60,899 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,940/mo | $60,616 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,093/mo | $64,161 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.317% | 7.093% | 0 pts ($0) | $2,191/mo | $77,705 |
Second Home 10% Down | 10% | 720 credit score | 5.960% | 6.534% | 0 pts ($0) | $1,934/mo | $65,093 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,893/mo | $58,524 |
VA 0% Down | 0% | 700 credit score | 6.078% | 6.324% | 0 pts ($0) | $2,222/mo | $73,547 |
VA Cash-Out Refi | 0% | 640 credit score | 6.082% | 6.453% | 0 pts ($0) | $2,223/mo | $73,592 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.089% | 6.243% | 0 pts ($0) | $2,225/mo | $73,669 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,980/mo | $62,647 |
Frequently Asked Questions
What are today's mortgage rates in 08219, , NJ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 08219, , NJ is 6.951% (with an estimated monthly payment of $1,812). Active program rates also include FHA 30-year fixed loans at 5.955% and VA 0%-down fixed loans at 6.078%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 08219, , NJ?
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 08219, , NJ have fluctuated between a low of 6.609% and a high of 7.064%. 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 08219, , NJ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $359,870 in 08219, , NJ, a standard 20%-down Conventional loan requires an upfront cash down payment of $71,974 but keeps your monthly payment lower at $1,812/mo (at 6.951% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,595 (3.5% down) but has an estimated payment of $2,005/mo (at 5.955% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $347,275 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 08219 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 08219 is $806,501. With a typical local home value of $359,870 in , a standard 20%-down mortgage requires a loan size of $287,896. 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 08219, , NJ impact estimated mortgage payments?
The median home value in 08219, , NJ is estimated at $359,870. Buying a typical home here with a standard 20% down payment ($71,974) translates to an estimated starting monthly mortgage payment of $1,812 (principal and interest). Compared to the local area median household income of $81,875 ($6,823/mo), this basic housing payment represents approximately 26.6% 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.