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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 | 6.865%APR 6.900% | 0 pts$0 | $2,505/moP&I $2,505 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.999%APR 6.768% | 0 pts$0 | $2,507/moP&I $2,329 · MI $178 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.939%APR 5.988% | 0 pts$0 | $2,274/moP&I $2,274 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.608%APR 6.642% | 0 pts$0 | $2,440/moP&I $2,440 · MI $0 | See details |
| Investment Property FixedConforming | 7.574%APR 7.614% | 0 pts$0 | $2,689/moP&I $2,689 · 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 | 5.939% | 5.988% | 0 pts ($0) | $3,209/mo | $63,661 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.941% | 5.992% | 0 pts ($0) | $4,012/mo | $88,908 |
Condo 10% Down | 10% | 720 credit score | 7.093% | 7.260% | 0 pts ($0) | $2,884/mo | $100,959 |
Conventional 10% Down | 10% | 720 credit score | 6.560% | 6.715% | 0 pts ($0) | $2,731/mo | $94,062 |
Conventional 20% Down | 20% | 740 credit score | 6.865% | 6.900% | 0 pts ($0) | $2,505/mo | $77,383 |
Conventional 5% Down | 5% | 700 credit score | 6.985% | 7.462% | 0 pts ($0) | $3,011/mo | $105,092 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.309% | 7.347% | 0 pts ($0) | $3,274/mo | $112,422 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,824/mo | $95,676 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.771% | 7.145% | 0 pts ($0) | $3,009/mo | $108,485 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.608% | 6.642% | 0 pts ($0) | $3,050/mo | $102,340 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,938/mo | $93,883 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.999% | 6.768% | 0 pts ($0) | $2,809/mo | $98,556 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,891/mo | $101,211 |
FHA Streamline Refi | 0% | 640 credit score | 6.142% | 6.913% | 0 pts ($0) | $2,955/mo | $104,217 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.959% | 7.202% | 0 pts ($0) | $3,003/mo | $108,816 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,985/mo | $58,450 |
Investment Property 25% Down | 25% | 740 credit score | 7.574% | 7.614% | 0 pts ($0) | $2,521/mo | $80,199 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,572/mo | $80,375 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,775/mo | $85,076 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.375% | 7.150% | 0 pts ($0) | $2,923/mo | $103,853 |
Second Home 10% Down | 10% | 720 credit score | 6.017% | 6.590% | 0 pts ($0) | $2,580/mo | $87,047 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,510/mo | $77,602 |
VA 0% Down | 0% | 700 credit score | 5.996% | 6.238% | 0 pts ($0) | $2,921/mo | $96,321 |
VA Cash-Out Refi | 0% | 640 credit score | 6.001% | 6.367% | 0 pts ($0) | $2,923/mo | $96,394 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.023% | 6.174% | 0 pts ($0) | $2,930/mo | $96,716 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,626/mo | $83,069 |
Frequently Asked Questions
What are today's mortgage rates in 18046, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 18046, , PA is 6.865% (with an estimated monthly payment of $2,629). Active program rates also include FHA 30-year fixed loans at 5.999% and VA 0%-down fixed loans at 5.996%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 18046, , 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 18046, , PA have fluctuated between a low of 6.486% and a high of 6.947%. 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 18046, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $477,179 in 18046, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $95,436 but keeps your monthly payment lower at $2,629/mo (at 6.865% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,701 (3.5% down) but has an estimated payment of $2,947/mo (at 5.999% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $460,478 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 18046 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 18046 is $806,501. With a typical local home value of $477,179 in , a standard 20%-down mortgage requires a loan size of $381,743. 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 18046, , PA impact estimated mortgage payments?
The median home value in 18046, , PA is estimated at $477,179. Buying a typical home here with a standard 20% down payment ($95,436) translates to an estimated starting monthly mortgage payment of $2,629 (principal and interest). Compared to the local area median household income of $119,479 ($9,957/mo), this basic housing payment represents approximately 26.4% 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.