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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 | 7.046%APR 7.090% | 0 pts$0 | $1,311/moP&I $1,311 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.101%APR 6.879% | 0 pts$0 | $1,301/moP&I $1,209 · MI $91 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.297%APR 6.362% | 0 pts$0 | $1,214/moP&I $1,214 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.030%APR 7.074% | 0 pts$0 | $1,309/moP&I $1,309 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.746% | 0 pts$0 | $1,388/moP&I $1,388 · 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 | 6.297% | 6.362% | 0 pts ($0) | $1,687/mo | $34,741 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.144% | 6.208% | 0 pts ($0) | $2,088/mo | $47,118 |
Condo 10% Down | 10% | 720 credit score | 7.373% | 7.554% | 0 pts ($0) | $1,524/mo | $53,731 |
Conventional 10% Down | 10% | 720 credit score | 6.842% | 7.009% | 0 pts ($0) | $1,445/mo | $50,199 |
Conventional 20% Down | 20% | 740 credit score | 7.046% | 7.090% | 0 pts ($0) | $1,311/mo | $40,826 |
Conventional 5% Down | 5% | 700 credit score | 7.124% | 7.614% | 0 pts ($0) | $1,569/mo | $54,967 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.488% | 7.536% | 0 pts ($0) | $1,712/mo | $59,081 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,451/mo | $49,154 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.787% | 7.168% | 0 pts ($0) | $1,548/mo | $55,849 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.030% | 7.074% | 0 pts ($0) | $1,636/mo | $55,694 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,023/mo | $48,233 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.101% | 6.879% | 0 pts ($0) | $1,459/mo | $51,371 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,485/mo | $51,997 |
FHA Streamline Refi | 0% | 640 credit score | 6.295% | 7.076% | 0 pts ($0) | $1,543/mo | $54,690 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.086% | 7.339% | 0 pts ($0) | $1,563/mo | $56,796 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,534/mo | $30,029 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.746% | 0 pts ($0) | $1,301/mo | $41,486 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,321/mo | $41,293 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,425/mo | $43,708 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.461% | 7.245% | 0 pts ($0) | $1,515/mo | $53,978 |
Second Home 10% Down | 10% | 720 credit score | 6.114% | 6.698% | 0 pts ($0) | $1,339/mo | $45,364 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,290/mo | $39,868 |
VA 0% Down | 0% | 700 credit score | 6.121% | 6.372% | 0 pts ($0) | $1,521/mo | $50,426 |
VA Cash-Out Refi | 0% | 640 credit score | 6.122% | 6.499% | 0 pts ($0) | $1,521/mo | $50,433 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.148% | 6.308% | 0 pts ($0) | $1,525/mo | $50,629 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,349/mo | $42,677 |
Frequently Asked Questions
What are today's mortgage rates in 15647, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 15647, , PA is 7.046% (with an estimated monthly payment of $1,068). Active program rates also include FHA 30-year fixed loans at 6.101% and VA 0%-down fixed loans at 6.121%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 15647, , 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 15647, , PA have fluctuated between a low of 6.926% and a high of 7.176%. 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 15647, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $245,152 in 15647, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $49,030 but keeps your monthly payment lower at $1,068/mo (at 7.046% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,580 (3.5% down) but has an estimated payment of $1,188/mo (at 6.101% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $236,572 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 15647 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 15647 is $806,501. With a typical local home value of $245,152 in , a standard 20%-down mortgage requires a loan size of $196,122. 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 15647, , PA impact estimated mortgage payments?
The median home value in 15647, , PA is estimated at $245,152. Buying a typical home here with a standard 20% down payment ($49,030) translates to an estimated starting monthly mortgage payment of $1,068 (principal and interest). Compared to the local area median household income of $80,928 ($6,744/mo), this basic housing payment represents approximately 15.8% 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.