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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
Exceeds local FHA limit of $541,287
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 | 6.814%APR 6.847% | 0 pts$0 | $4,464/moP&I $4,464 · MI $0 | See details |
| FHA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.858%APR 5.904% | 0 pts$0 | $4,038/moP&I $4,038 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.781%APR 6.814% | 0 pts$0 | $4,449/moP&I $4,449 · MI $0 | See details |
| Investment Property FixedConforming | 7.493%APR 7.531% | 0 pts$0 | $4,778/moP&I $4,778 · 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 | 5.858% | 5.904% | 0 pts ($0) | $5,718/mo | $112,436 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.850% | 5.897% | 0 pts ($0) | $7,144/mo | $157,016 |
Condo 10% Down | 10% | 720 credit score | 6.999% | 7.162% | 0 pts ($0) | $5,118/mo | $178,672 |
Conventional 10% Down | 10% | 720 credit score | 6.500% | 6.652% | 0 pts ($0) | $4,863/mo | $167,108 |
Conventional 20% Down | 20% | 740 credit score | 6.814% | 6.847% | 0 pts ($0) | $4,464/mo | $137,569 |
Conventional 5% Down | 5% | 700 credit score | 6.942% | 7.415% | 0 pts ($0) | $5,371/mo | $187,203 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.254% | 7.290% | 0 pts ($0) | $5,834/mo | $199,968 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,058/mo | $171,390 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.642% | 7.010% | 0 pts ($0) | $5,318/mo | $191,113 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.781% | 6.814% | 0 pts ($0) | $5,562/mo | $187,780 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,054/mo | $168,177 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.947% | 6.714% | 0 pts ($0) | $5,004/mo | $175,236 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,179/mo | $181,304 |
FHA Streamline Refi | 0% | 640 credit score | 6.066% | 6.835% | 0 pts ($0) | $5,252/mo | $184,702 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.915% | 7.155% | 0 pts ($0) | $5,356/mo | $193,851 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,348/mo | $104,704 |
Investment Property 25% Down | 25% | 740 credit score | 7.493% | 7.531% | 0 pts ($0) | $4,480/mo | $142,098 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $4,607/mo | $143,980 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,970/mo | $152,402 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.306% | 7.079% | 0 pts ($0) | $5,198/mo | $184,294 |
Second Home 10% Down | 10% | 720 credit score | 7.482% | 7.653% | 0 pts ($0) | $5,370/mo | $189,880 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,496/mo | $139,012 |
VA 0% Down | 0% | 700 credit score | 5.933% | 6.173% | 0 pts ($0) | $5,198/mo | $170,891 |
VA Cash-Out Refi | 0% | 640 credit score | 5.938% | 6.301% | 0 pts ($0) | $5,200/mo | $171,023 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.950% | 6.099% | 0 pts ($0) | $5,207/mo | $171,337 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,704/mo | $148,806 |
Frequently Asked Questions
What are today's mortgage rates in 19421, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 19421, , PA is 6.814% (with an estimated monthly payment of $3,683). Active program rates also include FHA 30-year fixed loans at 5.947% and VA 0%-down fixed loans at 5.933%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 19421, , 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 19421, , PA have fluctuated between a low of 6.433% and a high of 6.894%. 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 19421, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $854,794 in 19421, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $170,959 but keeps your monthly payment lower at $3,683/mo (at 6.814% interest) with no monthly PMI. In comparison, an FHA loan requires only $29,918 (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 $824,876 exceeds the local HUD FHA limit of $541,287 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 19421 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 19421 is $806,501. With a typical local home value of $854,794 in , a standard 20%-down mortgage requires a loan size of $683,835. 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 19421, , PA impact estimated mortgage payments?
The median home value in 19421, , PA is estimated at $854,794. Buying a typical home here with a standard 20% down payment ($170,959) translates to an estimated starting monthly mortgage payment of $3,683 (principal and interest). Compared to the local area median household income of $202,639 ($16,887/mo), this basic housing payment represents approximately 21.8% 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.