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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 | 6.996%APR 7.036% | 0 pts$0 | $1,418/moP&I $1,418 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.075%APR 6.849% | 0 pts$0 | $1,411/moP&I $1,311 · MI $99 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.260%APR 6.318% | 0 pts$0 | $1,314/moP&I $1,314 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.034%APR 7.075% | 0 pts$0 | $1,424/moP&I $1,424 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.724% | 0 pts$0 | $1,509/moP&I $1,509 · 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 | 6.260% | 6.318% | 0 pts ($0) | $1,830/mo | $37,547 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.158% | 6.216% | 0 pts ($0) | $2,272/mo | $51,343 |
Condo 10% Down | 10% | 720 credit score | 7.332% | 7.508% | 0 pts ($0) | $1,650/mo | $58,128 |
Conventional 10% Down | 10% | 720 credit score | 6.819% | 6.982% | 0 pts ($0) | $1,567/mo | $54,418 |
Conventional 20% Down | 20% | 740 credit score | 6.996% | 7.036% | 0 pts ($0) | $1,418/mo | $44,071 |
Conventional 5% Down | 5% | 700 credit score | 7.166% | 7.653% | 0 pts ($0) | $1,713/mo | $60,090 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.452% | 7.495% | 0 pts ($0) | $1,855/mo | $63,953 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,577/mo | $53,448 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.845% | 7.225% | 0 pts ($0) | $1,693/mo | $61,180 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.034% | 7.075% | 0 pts ($0) | $1,780/mo | $60,592 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,200/mo | $52,446 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.075% | 6.849% | 0 pts ($0) | $1,582/mo | $55,654 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,615/mo | $56,540 |
FHA Streamline Refi | 0% | 640 credit score | 6.270% | 7.047% | 0 pts ($0) | $1,674/mo | $59,263 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.109% | 7.358% | 0 pts ($0) | $1,703/mo | $61,933 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,668/mo | $32,652 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.724% | 0 pts ($0) | $1,415/mo | $45,110 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,437/mo | $44,900 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,550/mo | $47,527 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.439% | 7.219% | 0 pts ($0) | $1,644/mo | $58,520 |
Second Home 10% Down | 10% | 720 credit score | 6.081% | 6.660% | 0 pts ($0) | $1,451/mo | $49,089 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,402/mo | $43,351 |
VA 0% Down | 0% | 700 credit score | 6.080% | 6.327% | 0 pts ($0) | $1,647/mo | $54,495 |
VA Cash-Out Refi | 0% | 640 credit score | 6.084% | 6.456% | 0 pts ($0) | $1,647/mo | $54,528 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.090% | 6.245% | 0 pts ($0) | $1,648/mo | $54,577 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,467/mo | $46,405 |
Frequently Asked Questions
What are today's mortgage rates in 16421, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 16421, , PA is 6.996% (with an estimated monthly payment of $1,535). Active program rates also include FHA 30-year fixed loans at 6.075% and VA 0%-down fixed loans at 6.080%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 16421, , 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 16421, , PA have fluctuated between a low of 6.896% and a high of 7.148%. 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 16421, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $266,568 in 16421, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $53,314 but keeps your monthly payment lower at $1,535/mo (at 6.996% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,330 (3.5% down) but has an estimated payment of $1,712/mo (at 6.075% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $257,238 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 16421 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 16421 is $806,501. With a typical local home value of $266,568 in , a standard 20%-down mortgage requires a loan size of $213,254. 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 16421, , PA impact estimated mortgage payments?
The median home value in 16421, , PA is estimated at $266,568. Buying a typical home here with a standard 20% down payment ($53,314) translates to an estimated starting monthly mortgage payment of $1,535 (principal and interest). Compared to the local area median household income of $83,300 ($6,942/mo), this basic housing payment represents approximately 22.1% 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.