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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 | 6.828%APR 6.862% | 0 pts$0 | $3,612/moP&I $3,612 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.952%APR 6.719% | 0 pts$0 | $3,610/moP&I $3,353 · MI $258 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.874%APR 5.921% | 0 pts$0 | $3,267/moP&I $3,267 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.798%APR 6.832% | 0 pts$0 | $3,601/moP&I $3,601 · MI $0 | See details |
| Investment Property FixedConforming | 7.510%APR 7.548% | 0 pts$0 | $3,866/moP&I $3,866 · 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 | 5.874% | 5.921% | 0 pts ($0) | $4,624/mo | $91,085 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.870% | 5.918% | 0 pts ($0) | $5,779/mo | $127,241 |
Condo 10% Down | 10% | 720 credit score | 7.025% | 7.189% | 0 pts ($0) | $4,145/mo | $144,824 |
Conventional 10% Down | 10% | 720 credit score | 6.512% | 6.664% | 0 pts ($0) | $3,933/mo | $135,220 |
Conventional 20% Down | 20% | 740 credit score | 6.828% | 6.862% | 0 pts ($0) | $3,612/mo | $111,366 |
Conventional 5% Down | 5% | 700 credit score | 6.954% | 7.427% | 0 pts ($0) | $4,344/mo | $151,466 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.269% | 7.306% | 0 pts ($0) | $4,720/mo | $161,853 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,086/mo | $138,454 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.694% | 7.065% | 0 pts ($0) | $4,319/mo | $155,436 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.798% | 6.832% | 0 pts ($0) | $4,501/mo | $152,048 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,698/mo | $135,859 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.952% | 6.719% | 0 pts ($0) | $4,044/mo | $141,663 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,184/mo | $146,463 |
FHA Streamline Refi | 0% | 640 credit score | 6.073% | 6.842% | 0 pts ($0) | $4,246/mo | $149,356 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.928% | 7.169% | 0 pts ($0) | $4,333/mo | $156,856 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,320/mo | $84,583 |
Investment Property 25% Down | 25% | 740 credit score | 7.510% | 7.548% | 0 pts ($0) | $3,625/mo | $115,057 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,722/mo | $116,311 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,015/mo | $123,115 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.314% | 7.087% | 0 pts ($0) | $4,203/mo | $149,042 |
Second Home 10% Down | 10% | 720 credit score | 5.965% | 6.536% | 0 pts ($0) | $3,712/mo | $124,996 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,632/mo | $112,298 |
VA 0% Down | 0% | 700 credit score | 5.950% | 6.191% | 0 pts ($0) | $4,206/mo | $138,412 |
VA Cash-Out Refi | 0% | 640 credit score | 5.957% | 6.321% | 0 pts ($0) | $4,210/mo | $138,560 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.969% | 6.118% | 0 pts ($0) | $4,215/mo | $138,814 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,800/mo | $120,210 |
Frequently Asked Questions
What are today's mortgage rates in 18929, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 18929, , PA is 6.828% (with an estimated monthly payment of $3,309). Active program rates also include FHA 30-year fixed loans at 5.952% and VA 0%-down fixed loans at 5.950%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 18929, , 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 18929, , PA have fluctuated between a low of 6.448% and a high of 6.908%. 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 18929, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $690,529 in 18929, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $138,106 but keeps your monthly payment lower at $3,309/mo (at 6.828% interest) with no monthly PMI. In comparison, an FHA loan requires only $24,169 (3.5% down) but has an estimated payment of $3,706/mo (at 5.952% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $666,360 falls comfortably within the local HUD FHA loan limit of $794,108 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 18929 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 18929 is $806,501. With a typical local home value of $690,529 in , a standard 20%-down mortgage requires a loan size of $552,423. 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 18929, , PA impact estimated mortgage payments?
The median home value in 18929, , PA is estimated at $690,529. Buying a typical home here with a standard 20% down payment ($138,106) translates to an estimated starting monthly mortgage payment of $3,309 (principal and interest). Compared to the local area median household income of $156,604 ($13,050/mo), this basic housing payment represents approximately 25.4% 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.