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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 | 6.964%APR 7.005% | 0 pts$0 | $1,000/moP&I $1,000 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.089%APR 6.864% | 0 pts$0 | $1,000/moP&I $929 · MI $70 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.124%APR 6.184% | 0 pts$0 | $917/moP&I $917 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.971%APR 7.013% | 0 pts$0 | $1,001/moP&I $1,001 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.710% | 0 pts$0 | $1,068/moP&I $1,068 · 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 | 6.124% | 6.184% | 0 pts ($0) | $1,283/mo | $25,973 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.030% | 6.090% | 0 pts ($0) | $1,595/mo | $35,630 |
Condo 10% Down | 10% | 720 credit score | 7.292% | 7.469% | 0 pts ($0) | $1,163/mo | $40,927 |
Conventional 10% Down | 10% | 720 credit score | 6.873% | 7.039% | 0 pts ($0) | $1,115/mo | $38,782 |
Conventional 20% Down | 20% | 740 credit score | 6.964% | 7.005% | 0 pts ($0) | $1,000/mo | $31,039 |
Conventional 5% Down | 5% | 700 credit score | 7.271% | 7.764% | 0 pts ($0) | $1,225/mo | $43,087 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.409% | 7.454% | 0 pts ($0) | $1,307/mo | $45,008 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,116/mo | $37,820 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.863% | 7.245% | 0 pts ($0) | $1,200/mo | $43,390 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.971% | 7.013% | 0 pts ($0) | $1,251/mo | $42,516 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,556/mo | $37,111 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.089% | 6.864% | 0 pts ($0) | $1,121/mo | $39,459 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,143/mo | $40,007 |
FHA Streamline Refi | 0% | 640 credit score | 6.283% | 7.062% | 0 pts ($0) | $1,186/mo | $42,010 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.243% | 7.497% | 0 pts ($0) | $1,222/mo | $44,548 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,180/mo | $23,105 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.710% | 0 pts ($0) | $1,001/mo | $31,920 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,017/mo | $31,771 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,097/mo | $33,630 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.451% | 7.233% | 0 pts ($0) | $1,165/mo | $41,475 |
Second Home 10% Down | 10% | 720 credit score | 6.094% | 6.675% | 0 pts ($0) | $1,028/mo | $34,802 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $992/mo | $30,675 |
VA 0% Down | 0% | 700 credit score | 6.109% | 6.358% | 0 pts ($0) | $1,169/mo | $38,729 |
VA Cash-Out Refi | 0% | 640 credit score | 6.114% | 6.489% | 0 pts ($0) | $1,169/mo | $38,758 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.122% | 6.279% | 0 pts ($0) | $1,170/mo | $38,804 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,038/mo | $32,836 |
Frequently Asked Questions
What are today's mortgage rates in 16670, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 16670, , PA is 6.964% (with an estimated monthly payment of $1,274). Active program rates also include FHA 30-year fixed loans at 6.089% and VA 0%-down fixed loans at 6.109%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 16670, , 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 16670, , PA have fluctuated between a low of 6.849% and a high of 7.086%. 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 16670, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $188,623 in 16670, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $37,725 but keeps your monthly payment lower at $1,274/mo (at 6.964% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,602 (3.5% down) but has an estimated payment of $1,428/mo (at 6.089% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $182,021 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 16670 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 16670 is $806,501. With a typical local home value of $188,623 in , a standard 20%-down mortgage requires a loan size of $150,898. 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 16670, , PA impact estimated mortgage payments?
The median home value in 16670, , PA is estimated at $188,623. Buying a typical home here with a standard 20% down payment ($37,725) translates to an estimated starting monthly mortgage payment of $1,274 (principal and interest). Compared to the local area median household income of $66,774 ($5,565/mo), this basic housing payment represents approximately 22.9% 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.