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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 | 6.896%APR 6.932% | 0 pts$0 | $2,098/moP&I $2,098 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.042%APR 6.812% | 0 pts$0 | $2,102/moP&I $1,953 · MI $149 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.991%APR 6.042% | 0 pts$0 | $1,909/moP&I $1,909 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.922%APR 6.958% | 0 pts$0 | $2,104/moP&I $2,104 · MI $0 | See details |
| Investment Property FixedConforming | 7.622%APR 7.663% | 0 pts$0 | $2,255/moP&I $2,255 · 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 | 5.991% | 6.042% | 0 pts ($0) | $2,688/mo | $53,626 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.940% | 5.991% | 0 pts ($0) | $3,349/mo | $74,212 |
Condo 10% Down | 10% | 720 credit score | 7.150% | 7.318% | 0 pts ($0) | $2,422/mo | $84,900 |
Conventional 10% Down | 10% | 720 credit score | 6.595% | 6.751% | 0 pts ($0) | $2,289/mo | $78,904 |
Conventional 20% Down | 20% | 740 credit score | 6.896% | 6.932% | 0 pts ($0) | $2,098/mo | $64,900 |
Conventional 5% Down | 5% | 700 credit score | 7.010% | 7.488% | 0 pts ($0) | $2,520/mo | $88,019 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.339% | 7.378% | 0 pts ($0) | $2,742/mo | $94,214 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,357/mo | $79,874 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.806% | 7.181% | 0 pts ($0) | $2,521/mo | $90,974 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.922% | 6.958% | 0 pts ($0) | $2,629/mo | $89,205 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,287/mo | $78,376 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.042% | 6.812% | 0 pts ($0) | $2,356/mo | $82,783 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,414/mo | $84,494 |
FHA Streamline Refi | 0% | 640 credit score | 6.236% | 7.010% | 0 pts ($0) | $2,492/mo | $88,149 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.982% | 7.226% | 0 pts ($0) | $2,513/mo | $91,106 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,492/mo | $48,796 |
Investment Property 25% Down | 25% | 740 credit score | 7.622% | 7.663% | 0 pts ($0) | $2,114/mo | $67,386 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,147/mo | $67,100 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,316/mo | $71,024 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.410% | 7.186% | 0 pts ($0) | $2,449/mo | $87,112 |
Second Home 10% Down | 10% | 720 credit score | 5.943% | 6.515% | 0 pts ($0) | $2,136/mo | $71,873 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,095/mo | $64,784 |
VA 0% Down | 0% | 700 credit score | 6.036% | 6.280% | 0 pts ($0) | $2,449/mo | $80,901 |
VA Cash-Out Refi | 0% | 640 credit score | 6.048% | 6.416% | 0 pts ($0) | $2,452/mo | $81,048 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.066% | 6.218% | 0 pts ($0) | $2,457/mo | $81,268 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,192/mo | $69,349 |
Frequently Asked Questions
What are today's mortgage rates in 15064, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 15064, , PA is 6.896% (with an estimated monthly payment of $2,283). Active program rates also include FHA 30-year fixed loans at 6.042% and VA 0%-down fixed loans at 6.036%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 15064, , PA?
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 15064, , PA have fluctuated between a low of 6.517% and a high of 6.975%. 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 15064, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $398,364 in 15064, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $79,673 but keeps your monthly payment lower at $2,283/mo (at 6.896% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,943 (3.5% down) but has an estimated payment of $2,563/mo (at 6.042% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $384,421 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 15064 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 15064 is $806,501. With a typical local home value of $398,364 in , a standard 20%-down mortgage requires a loan size of $318,691. 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 15064, , PA impact estimated mortgage payments?
The median home value in 15064, , PA is estimated at $398,364. Buying a typical home here with a standard 20% down payment ($79,673) translates to an estimated starting monthly mortgage payment of $2,283 (principal and interest). Compared to the local area median household income of $132,212 ($11,018/mo), this basic housing payment represents approximately 20.7% 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.