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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 | 7.624%APR 7.685% | 0 pts$0 | $603/moP&I $603 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.336%APR 7.128% | 0 pts$0 | $579/moP&I $539 · MI $40 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 7.125%APR 7.272% | 0 pts$0 | $574/moP&I $574 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.468%APR 7.623% | 0 pts$0 | $594/moP&I $594 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.982% | 0 pts$0 | $603/moP&I $603 · 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 | 7.125% | 7.272% | 0 pts ($0) | $772/mo | $17,155 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.868% | 6.986% | 0 pts ($0) | $950/mo | $22,722 |
Condo 10% Down | 10% | 720 credit score | 7.625% | 7.940% | 0 pts ($0) | $679/mo | $24,083 |
Conventional 10% Down | 10% | 720 credit score | 7.291% | 7.479% | 0 pts ($0) | $657/mo | $23,116 |
Conventional 20% Down | 20% | 740 credit score | 7.624% | 7.685% | 0 pts ($0) | $603/mo | $19,231 |
Conventional 5% Down | 5% | 700 credit score | 7.291% | 7.799% | 0 pts ($0) | $693/mo | $24,400 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.625% | 7.844% | 0 pts ($0) | $754/mo | $26,119 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $631/mo | $21,364 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.869% | 7.263% | 0 pts ($0) | $679/mo | $24,529 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.468% | 7.623% | 0 pts ($0) | $743/mo | $25,614 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $879/mo | $20,963 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.336% | 7.128% | 0 pts ($0) | $650/mo | $23,067 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $646/mo | $22,600 |
FHA Streamline Refi | 0% | 640 credit score | 6.458% | 7.253% | 0 pts ($0) | $682/mo | $24,302 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.263% | 7.530% | 0 pts ($0) | $691/mo | $25,226 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $667/mo | $13,051 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.982% | 0 pts ($0) | $566/mo | $18,031 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $574/mo | $17,947 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $620/mo | $18,997 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.556% | 7.352% | 0 pts ($0) | $665/mo | $23,760 |
Second Home 10% Down | 10% | 720 credit score | 7.625% | 8.031% | 0 pts ($0) | $679/mo | $24,083 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $560/mo | $17,328 |
VA 0% Down | 0% | 700 credit score | 6.408% | 6.676% | 0 pts ($0) | $681/mo | $22,856 |
VA Cash-Out Refi | 0% | 640 credit score | 6.418% | 6.815% | 0 pts ($0) | $682/mo | $22,889 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.067% | 6.143% | 0 pts ($0) | $657/mo | $21,740 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $586/mo | $18,549 |
Frequently Asked Questions
What are today's mortgage rates in 17866, Fairview-Ferndale, PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 17866, Fairview-Ferndale, PA is 7.624% (with an estimated monthly payment of $600). Active program rates also include FHA 30-year fixed loans at 6.336% and VA 0%-down fixed loans at 6.408%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 17866, Fairview-Ferndale, 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 17866, Fairview-Ferndale, PA have fluctuated between a low of 7.491% and a high of 7.625%. 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 17866, Fairview-Ferndale, PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $106,551 in 17866, Fairview-Ferndale, PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $21,310 but keeps your monthly payment lower at $600/mo (at 7.624% interest) with no monthly PMI. In comparison, an FHA loan requires only $3,729 (3.5% down) but has an estimated payment of $646/mo (at 6.336% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $102,822 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 17866 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 17866 is $806,501. With a typical local home value of $106,551 in Fairview-Ferndale, a standard 20%-down mortgage requires a loan size of $85,241. 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 17866, Fairview-Ferndale, PA impact estimated mortgage payments?
The median home value in 17866, Fairview-Ferndale, PA is estimated at $106,551. Buying a typical home here with a standard 20% down payment ($21,310) translates to an estimated starting monthly mortgage payment of $600 (principal and interest). Compared to the local area median household income of $48,658 ($4,055/mo), this basic housing payment represents approximately 14.8% 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.