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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 | 6.816%APR 6.849% | 0 pts$0 | $3,280/moP&I $3,280 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.947%APR 6.714% | 0 pts$0 | $3,281/moP&I $3,047 · MI $234 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.860%APR 5.906% | 0 pts$0 | $2,966/moP&I $2,966 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.784%APR 6.817% | 0 pts$0 | $3,269/moP&I $3,269 · MI $0 | See details |
| Investment Property FixedConforming | 7.495%APR 7.533% | 0 pts$0 | $3,510/moP&I $3,510 · 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 | 5.860% | 5.906% | 0 pts ($0) | $4,200/mo | $82,607 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.854% | 5.901% | 0 pts ($0) | $5,248/mo | $115,393 |
Condo 10% Down | 10% | 720 credit score | 7.003% | 7.166% | 0 pts ($0) | $3,760/mo | $131,294 |
Conventional 10% Down | 10% | 720 credit score | 6.496% | 6.648% | 0 pts ($0) | $3,570/mo | $122,664 |
Conventional 20% Down | 20% | 740 credit score | 6.816% | 6.849% | 0 pts ($0) | $3,280/mo | $101,068 |
Conventional 5% Down | 5% | 700 credit score | 6.943% | 7.416% | 0 pts ($0) | $3,945/mo | $137,509 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.256% | 7.292% | 0 pts ($0) | $4,285/mo | $146,905 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,715/mo | $125,877 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.650% | 7.018% | 0 pts ($0) | $3,909/mo | $140,509 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.784% | 6.817% | 0 pts ($0) | $4,086/mo | $137,972 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,181/mo | $123,518 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.947% | 6.714% | 0 pts ($0) | $3,675/mo | $128,702 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,804/mo | $133,159 |
FHA Streamline Refi | 0% | 640 credit score | 6.066% | 6.835% | 0 pts ($0) | $3,857/mo | $135,654 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.917% | 7.157% | 0 pts ($0) | $3,935/mo | $142,410 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,928/mo | $76,900 |
Investment Property 25% Down | 25% | 740 credit score | 7.495% | 7.533% | 0 pts ($0) | $3,291/mo | $104,392 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,384/mo | $105,746 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,650/mo | $111,931 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.306% | 7.079% | 0 pts ($0) | $3,818/mo | $135,355 |
Second Home 10% Down | 10% | 720 credit score | 5.949% | 6.519% | 0 pts ($0) | $3,369/mo | $113,370 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,302/mo | $102,097 |
VA 0% Down | 0% | 700 credit score | 5.935% | 6.175% | 0 pts ($0) | $3,818/mo | $125,550 |
VA Cash-Out Refi | 0% | 640 credit score | 5.941% | 6.304% | 0 pts ($0) | $3,821/mo | $125,665 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.953% | 6.102% | 0 pts ($0) | $3,826/mo | $125,896 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,455/mo | $109,290 |
Frequently Asked Questions
What are today's mortgage rates in 18920, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 18920, , PA is 6.816% (with an estimated monthly payment of $3,622). Active program rates also include FHA 30-year fixed loans at 5.947% and VA 0%-down fixed loans at 5.935%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 18920, , 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 18920, , PA have fluctuated between a low of 6.435% and a high of 6.896%. 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 18920, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $627,803 in 18920, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $125,561 but keeps your monthly payment lower at $3,622/mo (at 6.816% interest) with no monthly PMI. In comparison, an FHA loan requires only $21,973 (3.5% down) but has an estimated payment of $3,823/mo (at 5.947% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $605,830 falls comfortably within the local HUD FHA loan limit of $721,973 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 18920 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 18920 is $806,501. With a typical local home value of $627,803 in , a standard 20%-down mortgage requires a loan size of $502,242. 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 18920, , PA impact estimated mortgage payments?
The median home value in 18920, , PA is estimated at $627,803. Buying a typical home here with a standard 20% down payment ($125,561) translates to an estimated starting monthly mortgage payment of $3,622 (principal and interest). Compared to the local area median household income of $122,125 ($10,177/mo), this basic housing payment represents approximately 35.6% 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.