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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 | 6.983%APR 7.022% | 0 pts$0 | $1,698/moP&I $1,698 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.069%APR 6.842% | 0 pts$0 | $1,690/moP&I $1,571 · MI $119 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.227%APR 6.284% | 0 pts$0 | $1,570/moP&I $1,570 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.995%APR 7.035% | 0 pts$0 | $1,700/moP&I $1,700 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.714% | 0 pts$0 | $1,810/moP&I $1,810 · 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 | 6.227% | 6.284% | 0 pts ($0) | $2,189/mo | $44,769 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.090% | 6.146% | 0 pts ($0) | $2,712/mo | $60,924 |
Condo 10% Down | 10% | 720 credit score | 7.313% | 7.487% | 0 pts ($0) | $1,974/mo | $69,524 |
Conventional 10% Down | 10% | 720 credit score | 6.804% | 6.966% | 0 pts ($0) | $1,876/mo | $65,111 |
Conventional 20% Down | 20% | 740 credit score | 6.983% | 7.022% | 0 pts ($0) | $1,698/mo | $52,736 |
Conventional 5% Down | 5% | 700 credit score | 7.125% | 7.611% | 0 pts ($0) | $2,045/mo | $71,665 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.432% | 7.474% | 0 pts ($0) | $2,220/mo | $76,479 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,891/mo | $64,078 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.840% | 7.220% | 0 pts ($0) | $2,029/mo | $73,301 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.995% | 7.035% | 0 pts ($0) | $2,125/mo | $72,267 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,637/mo | $62,877 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.069% | 6.842% | 0 pts ($0) | $1,895/mo | $66,667 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,936/mo | $67,785 |
FHA Streamline Refi | 0% | 640 credit score | 6.264% | 7.040% | 0 pts ($0) | $2,005/mo | $70,991 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.086% | 7.335% | 0 pts ($0) | $2,037/mo | $74,041 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,999/mo | $39,146 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.714% | 0 pts ($0) | $1,697/mo | $54,082 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,722/mo | $53,830 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,858/mo | $56,979 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.434% | 7.213% | 0 pts ($0) | $1,970/mo | $70,111 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $1,738/mo | $58,800 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,681/mo | $51,973 |
VA 0% Down | 0% | 700 credit score | 6.090% | 6.337% | 0 pts ($0) | $1,976/mo | $65,432 |
VA Cash-Out Refi | 0% | 640 credit score | 6.077% | 6.449% | 0 pts ($0) | $1,973/mo | $65,304 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.083% | 6.238% | 0 pts ($0) | $1,975/mo | $65,363 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,759/mo | $55,634 |
Frequently Asked Questions
What are today's mortgage rates in 15691, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 15691, , PA is 6.983% (with an estimated monthly payment of $1,620). Active program rates also include FHA 30-year fixed loans at 6.069% and VA 0%-down fixed loans at 6.090%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 15691, , 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 15691, , PA have fluctuated between a low of 6.873% and a high of 7.126%. 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 15691, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $319,585 in 15691, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $63,917 but keeps your monthly payment lower at $1,620/mo (at 6.983% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,185 (3.5% down) but has an estimated payment of $1,808/mo (at 6.069% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $308,400 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 15691 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 15691 is $806,501. With a typical local home value of $319,585 in , a standard 20%-down mortgage requires a loan size of $255,668. 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 15691, , PA impact estimated mortgage payments?
The median home value in 15691, , PA is estimated at $319,585. Buying a typical home here with a standard 20% down payment ($63,917) translates to an estimated starting monthly mortgage payment of $1,620 (principal and interest). Compared to the local area median household income of $94,450 ($7,871/mo), this basic housing payment represents approximately 20.6% 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.