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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 | 6.994%APR 7.037% | 0 pts$0 | $1,071/moP&I $1,071 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.095%APR 6.871% | 0 pts$0 | $1,068/moP&I $993 · MI $75 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.252%APR 6.315% | 0 pts$0 | $992/moP&I $992 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.998%APR 7.041% | 0 pts$0 | $1,072/moP&I $1,072 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.723% | 0 pts$0 | $1,140/moP&I $1,140 · 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 | 6.252% | 6.315% | 0 pts ($0) | $1,381/mo | $28,325 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.085% | 6.147% | 0 pts ($0) | $1,708/mo | $38,357 |
Condo 10% Down | 10% | 720 credit score | 7.328% | 7.507% | 0 pts ($0) | $1,246/mo | $43,887 |
Conventional 10% Down | 10% | 720 credit score | 6.904% | 7.072% | 0 pts ($0) | $1,194/mo | $41,570 |
Conventional 20% Down | 20% | 740 credit score | 6.994% | 7.037% | 0 pts ($0) | $1,071/mo | $33,281 |
Conventional 5% Down | 5% | 700 credit score | 7.291% | 7.787% | 0 pts ($0) | $1,310/mo | $46,112 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.444% | 7.490% | 0 pts ($0) | $1,400/mo | $48,260 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,192/mo | $40,374 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.871% | 7.254% | 0 pts ($0) | $1,283/mo | $46,367 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.998% | 7.041% | 0 pts ($0) | $1,339/mo | $45,552 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,662/mo | $39,617 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.095% | 6.871% | 0 pts ($0) | $1,197/mo | $42,159 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,220/mo | $42,709 |
FHA Streamline Refi | 0% | 640 credit score | 6.289% | 7.069% | 0 pts ($0) | $1,267/mo | $44,883 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.263% | 7.518% | 0 pts ($0) | $1,307/mo | $47,672 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,260/mo | $24,665 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.723% | 0 pts ($0) | $1,069/mo | $34,075 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,085/mo | $33,917 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,171/mo | $35,901 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.456% | 7.239% | 0 pts ($0) | $1,244/mo | $44,306 |
Second Home 10% Down | 10% | 720 credit score | 6.106% | 6.688% | 0 pts ($0) | $1,099/mo | $37,217 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,059/mo | $32,747 |
VA 0% Down | 0% | 700 credit score | 6.118% | 6.368% | 0 pts ($0) | $1,249/mo | $41,400 |
VA Cash-Out Refi | 0% | 640 credit score | 6.123% | 6.499% | 0 pts ($0) | $1,250/mo | $41,431 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.137% | 6.295% | 0 pts ($0) | $1,251/mo | $41,517 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,108/mo | $35,054 |
Frequently Asked Questions
What are today's mortgage rates in 15733, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 15733, , PA is 6.994% (with an estimated monthly payment of $1,183). Active program rates also include FHA 30-year fixed loans at 6.095% and VA 0%-down fixed loans at 6.118%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 15733, , 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 15733, , PA have fluctuated between a low of 6.887% and a high of 7.137%. 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 15733, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $201,361 in 15733, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $40,272 but keeps your monthly payment lower at $1,183/mo (at 6.994% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,048 (3.5% down) but has an estimated payment of $1,322/mo (at 6.095% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $194,313 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 15733 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 15733 is $806,501. With a typical local home value of $201,361 in , a standard 20%-down mortgage requires a loan size of $161,089. 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 15733, , PA impact estimated mortgage payments?
The median home value in 15733, , PA is estimated at $201,361. Buying a typical home here with a standard 20% down payment ($40,272) translates to an estimated starting monthly mortgage payment of $1,183 (principal and interest). Compared to the local area median household income of $60,266 ($5,022/mo), this basic housing payment represents approximately 23.5% 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.