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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 | 6.967%APR 7.006% | 0 pts$0 | $1,673/moP&I $1,673 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.959%APR 6.730% | 0 pts$0 | $1,651/moP&I $1,533 · MI $118 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.137%APR 6.193% | 0 pts$0 | $1,535/moP&I $1,535 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.925%APR 6.964% | 0 pts$0 | $1,666/moP&I $1,666 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.705% | 0 pts$0 | $1,786/moP&I $1,786 · 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 | 6.137% | 6.193% | 0 pts ($0) | $2,148/mo | $43,534 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.099% | 6.156% | 0 pts ($0) | $2,679/mo | $60,222 |
Condo 10% Down | 10% | 720 credit score | 7.294% | 7.468% | 0 pts ($0) | $1,945/mo | $68,466 |
Conventional 10% Down | 10% | 720 credit score | 6.790% | 6.951% | 0 pts ($0) | $1,849/mo | $64,152 |
Conventional 20% Down | 20% | 740 credit score | 6.967% | 7.006% | 0 pts ($0) | $1,673/mo | $51,935 |
Conventional 5% Down | 5% | 700 credit score | 7.107% | 7.590% | 0 pts ($0) | $2,015/mo | $70,579 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.413% | 7.455% | 0 pts ($0) | $2,187/mo | $75,313 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,867/mo | $63,253 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.836% | 7.215% | 0 pts ($0) | $2,002/mo | $72,320 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.925% | 6.964% | 0 pts ($0) | $2,083/mo | $70,670 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,603/mo | $62,067 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.959% | 6.730% | 0 pts ($0) | $1,849/mo | $64,784 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,911/mo | $66,912 |
FHA Streamline Refi | 0% | 640 credit score | 6.083% | 6.856% | 0 pts ($0) | $1,942/mo | $68,330 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.064% | 7.312% | 0 pts ($0) | $2,007/mo | $72,888 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,974/mo | $38,642 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.705% | 0 pts ($0) | $1,675/mo | $53,385 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,700/mo | $53,137 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,834/mo | $56,245 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.323% | 7.100% | 0 pts ($0) | $1,922/mo | $68,174 |
Second Home 10% Down | 10% | 720 credit score | 6.071% | 6.649% | 0 pts ($0) | $1,715/mo | $58,009 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,659/mo | $51,303 |
VA 0% Down | 0% | 700 credit score | 6.085% | 6.332% | 0 pts ($0) | $1,950/mo | $64,541 |
VA Cash-Out Refi | 0% | 640 credit score | 6.088% | 6.460% | 0 pts ($0) | $1,950/mo | $64,570 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.079% | 6.233% | 0 pts ($0) | $1,948/mo | $64,483 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,736/mo | $54,918 |
Frequently Asked Questions
What are today's mortgage rates in 18370, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 18370, , PA is 6.967% (with an estimated monthly payment of $1,711). Active program rates also include FHA 30-year fixed loans at 5.959% and VA 0%-down fixed loans at 6.085%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 18370, , 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 18370, , PA have fluctuated between a low of 6.855% and a high of 7.099%. 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 18370, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $315,468 in 18370, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $63,094 but keeps your monthly payment lower at $1,711/mo (at 6.967% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,041 (3.5% down) but has an estimated payment of $1,890/mo (at 5.959% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $304,427 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 18370 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 18370 is $806,501. With a typical local home value of $315,468 in , a standard 20%-down mortgage requires a loan size of $252,374. 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 18370, , PA impact estimated mortgage payments?
The median home value in 18370, , PA is estimated at $315,468. Buying a typical home here with a standard 20% down payment ($63,094) translates to an estimated starting monthly mortgage payment of $1,711 (principal and interest). Compared to the local area median household income of $92,435 ($7,703/mo), this basic housing payment represents approximately 22.2% 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.