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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 | 7.057%APR 7.102% | 0 pts$0 | $1,370/moP&I $1,370 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.104%APR 6.882% | 0 pts$0 | $1,358/moP&I $1,263 · MI $95 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.306%APR 6.372% | 0 pts$0 | $1,268/moP&I $1,268 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.967%APR 7.012% | 0 pts$0 | $1,357/moP&I $1,357 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.750% | 0 pts$0 | $1,449/moP&I $1,449 · 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 | 6.306% | 6.372% | 0 pts ($0) | $1,761/mo | $36,308 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.251% | 6.318% | 0 pts ($0) | $2,194/mo | $49,966 |
Condo 10% Down | 10% | 720 credit score | 7.382% | 7.564% | 0 pts ($0) | $1,591/mo | $56,135 |
Conventional 10% Down | 10% | 720 credit score | 6.848% | 7.016% | 0 pts ($0) | $1,508/mo | $52,428 |
Conventional 20% Down | 20% | 740 credit score | 7.057% | 7.102% | 0 pts ($0) | $1,370/mo | $42,673 |
Conventional 5% Down | 5% | 700 credit score | 7.130% | 7.621% | 0 pts ($0) | $1,638/mo | $57,407 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.496% | 7.544% | 0 pts ($0) | $1,788/mo | $61,718 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,514/mo | $51,296 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.789% | 7.170% | 0 pts ($0) | $1,616/mo | $58,298 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.967% | 7.012% | 0 pts ($0) | $1,696/mo | $57,636 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,111/mo | $50,335 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.104% | 6.882% | 0 pts ($0) | $1,523/mo | $53,633 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,550/mo | $54,264 |
FHA Streamline Refi | 0% | 640 credit score | 6.298% | 7.079% | 0 pts ($0) | $1,611/mo | $57,096 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.089% | 7.342% | 0 pts ($0) | $1,632/mo | $59,293 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,601/mo | $31,337 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.750% | 0 pts ($0) | $1,358/mo | $43,294 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,379/mo | $43,092 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,488/mo | $45,613 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.464% | 7.248% | 0 pts ($0) | $1,582/mo | $56,353 |
Second Home 10% Down | 10% | 720 credit score | 6.117% | 6.701% | 0 pts ($0) | $1,398/mo | $47,362 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,346/mo | $41,606 |
VA 0% Down | 0% | 700 credit score | 6.123% | 6.375% | 0 pts ($0) | $1,588/mo | $52,639 |
VA Cash-Out Refi | 0% | 640 credit score | 6.128% | 6.505% | 0 pts ($0) | $1,588/mo | $52,679 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.153% | 6.313% | 0 pts ($0) | $1,593/mo | $52,875 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,408/mo | $44,537 |
Frequently Asked Questions
What are today's mortgage rates in 18825, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 18825, , PA is 7.057% (with an estimated monthly payment of $1,053). Active program rates also include FHA 30-year fixed loans at 6.104% and VA 0%-down fixed loans at 6.123%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 18825, , 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 18825, , PA have fluctuated between a low of 6.934% and a high of 7.185%. 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 18825, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $255,836 in 18825, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $51,167 but keeps your monthly payment lower at $1,053/mo (at 7.057% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,954 (3.5% down) but has an estimated payment of $1,171/mo (at 6.104% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $246,882 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 18825 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 18825 is $806,501. With a typical local home value of $255,836 in , a standard 20%-down mortgage requires a loan size of $204,669. 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 18825, , PA impact estimated mortgage payments?
The median home value in 18825, , PA is estimated at $255,836. Buying a typical home here with a standard 20% down payment ($51,167) translates to an estimated starting monthly mortgage payment of $1,053 (principal and interest). Compared to the local area median household income of $80,333 ($6,694/mo), this basic housing payment represents approximately 15.7% 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.