Select your Scenario
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.
See Safe Rate's top scoring lenders for Emeigh
We rank active Emeigh lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 7.087%APR 7.133% | 0 pts$0 | $949/moP&I $949 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.113%APR 6.892% | 0 pts$0 | $939/moP&I $873 · MI $66 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.328%APR 6.395% | 0 pts$0 | $878/moP&I $878 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.228%APR 7.310% | 0 pts$0 | $963/moP&I $963 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.763% | 0 pts$0 | $1,001/moP&I $1,001 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 6.328% | 6.395% | 0 pts ($0) | $1,219/mo | $25,178 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.300% | 6.383% | 0 pts ($0) | $1,520/mo | $34,775 |
Condo 10% Down | 10% | 720 credit score | 7.411% | 7.595% | 0 pts ($0) | $1,103/mo | $38,926 |
Conventional 10% Down | 10% | 720 credit score | 6.860% | 7.028% | 0 pts ($0) | $1,044/mo | $36,283 |
Conventional 20% Down | 20% | 740 credit score | 7.087% | 7.133% | 0 pts ($0) | $949/mo | $29,613 |
Conventional 5% Down | 5% | 700 credit score | 7.149% | 7.641% | 0 pts ($0) | $1,134/mo | $39,762 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.518% | 7.567% | 0 pts ($0) | $1,238/mo | $42,761 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,046/mo | $35,443 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.796% | 7.178% | 0 pts ($0) | $1,117/mo | $40,317 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.228% | 7.310% | 0 pts ($0) | $1,203/mo | $41,215 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,459/mo | $34,779 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.113% | 6.892% | 0 pts ($0) | $1,053/mo | $37,105 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,071/mo | $37,494 |
FHA Streamline Refi | 0% | 640 credit score | 6.307% | 7.089% | 0 pts ($0) | $1,114/mo | $39,500 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.100% | 7.354% | 0 pts ($0) | $1,129/mo | $41,025 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,106/mo | $21,653 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.763% | 0 pts ($0) | $938/mo | $29,914 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $953/mo | $29,775 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,028/mo | $31,517 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.472% | 7.257% | 0 pts ($0) | $1,094/mo | $38,979 |
Second Home 10% Down | 10% | 720 credit score | 6.107% | 6.691% | 0 pts ($0) | $965/mo | $32,677 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $930/mo | $28,748 |
VA 0% Down | 0% | 700 credit score | 6.132% | 6.385% | 0 pts ($0) | $1,098/mo | $36,420 |
VA Cash-Out Refi | 0% | 640 credit score | 6.145% | 6.524% | 0 pts ($0) | $1,100/mo | $36,491 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.150% | 6.311% | 0 pts ($0) | $1,100/mo | $36,518 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $973/mo | $30,773 |
Frequently Asked Questions
What are today's mortgage rates in 15738, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 15738, , PA is 7.087% (with an estimated monthly payment of $1,006). Active program rates also include FHA 30-year fixed loans at 6.113% and VA 0%-down fixed loans at 6.132%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 15738, , 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 15738, , PA have fluctuated between a low of 6.955% and a high of 7.221%. 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 15738, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $176,771 in 15738, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $35,354 but keeps your monthly payment lower at $1,006/mo (at 7.087% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,187 (3.5% down) but has an estimated payment of $1,116/mo (at 6.113% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $170,584 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 15738 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 15738 is $806,501. With a typical local home value of $176,771 in , a standard 20%-down mortgage requires a loan size of $141,417. 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 15738, , PA impact estimated mortgage payments?
The median home value in 15738, , PA is estimated at $176,771. Buying a typical home here with a standard 20% down payment ($35,354) translates to an estimated starting monthly mortgage payment of $1,006 (principal and interest). Compared to the local area median household income of $64,911 ($5,409/mo), this basic housing payment represents approximately 18.6% 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.