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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 | 7.006%APR 7.049% | 0 pts$0 | $1,302/moP&I $1,302 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.103%APR 6.880% | 0 pts$0 | $1,298/moP&I $1,206 · MI $91 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.267%APR 6.331% | 0 pts$0 | $1,206/moP&I $1,206 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.007%APR 7.051% | 0 pts$0 | $1,302/moP&I $1,302 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.735% | 0 pts$0 | $1,384/moP&I $1,384 · 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 | 6.267% | 6.331% | 0 pts ($0) | $1,679/mo | $34,475 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.104% | 6.167% | 0 pts ($0) | $2,077/mo | $46,706 |
Condo 10% Down | 10% | 720 credit score | 7.352% | 7.532% | 0 pts ($0) | $1,516/mo | $53,445 |
Conventional 10% Down | 10% | 720 credit score | 6.820% | 6.986% | 0 pts ($0) | $1,437/mo | $49,915 |
Conventional 20% Down | 20% | 740 credit score | 7.006% | 7.049% | 0 pts ($0) | $1,302/mo | $40,478 |
Conventional 5% Down | 5% | 700 credit score | 7.297% | 7.794% | 0 pts ($0) | $1,592/mo | $56,028 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.459% | 7.506% | 0 pts ($0) | $1,703/mo | $58,705 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,447/mo | $49,019 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.882% | 7.266% | 0 pts ($0) | $1,559/mo | $56,375 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.007% | 7.051% | 0 pts ($0) | $1,628/mo | $55,372 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,017/mo | $48,101 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.103% | 6.880% | 0 pts ($0) | $1,455/mo | $51,245 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,481/mo | $51,855 |
FHA Streamline Refi | 0% | 640 credit score | 6.297% | 7.077% | 0 pts ($0) | $1,539/mo | $54,555 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.269% | 7.525% | 0 pts ($0) | $1,587/mo | $57,923 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,530/mo | $29,947 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.735% | 0 pts ($0) | $1,298/mo | $41,372 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,318/mo | $41,180 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,422/mo | $43,589 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.463% | 7.246% | 0 pts ($0) | $1,511/mo | $53,844 |
Second Home 10% Down | 10% | 720 credit score | 6.103% | 6.686% | 0 pts ($0) | $1,334/mo | $45,167 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,286/mo | $39,759 |
VA 0% Down | 0% | 700 credit score | 6.125% | 6.376% | 0 pts ($0) | $1,517/mo | $50,318 |
VA Cash-Out Refi | 0% | 640 credit score | 6.131% | 6.508% | 0 pts ($0) | $1,518/mo | $50,363 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.127% | 6.286% | 0 pts ($0) | $1,518/mo | $50,333 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,345/mo | $42,560 |
Frequently Asked Questions
What are today's mortgage rates in 18817, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 18817, , PA is 7.006% (with an estimated monthly payment of $1,125). Active program rates also include FHA 30-year fixed loans at 6.103% and VA 0%-down fixed loans at 6.125%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 18817, , 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 18817, , PA have fluctuated between a low of 6.899% and a high of 7.143%. 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 18817, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $244,481 in 18817, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $48,896 but keeps your monthly payment lower at $1,125/mo (at 7.006% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,557 (3.5% down) but has an estimated payment of $1,258/mo (at 6.103% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $235,924 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 18817 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 18817 is $806,501. With a typical local home value of $244,481 in , a standard 20%-down mortgage requires a loan size of $195,585. 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 18817, , PA impact estimated mortgage payments?
The median home value in 18817, , PA is estimated at $244,481. Buying a typical home here with a standard 20% down payment ($48,896) translates to an estimated starting monthly mortgage payment of $1,125 (principal and interest). Compared to the local area median household income of $70,921 ($5,910/mo), this basic housing payment represents approximately 19.0% 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.