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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 | 6.808%APR 6.841% | 0 pts$0 | $4,551/moP&I $4,551 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.947%APR 6.714% | 0 pts$0 | $4,556/moP&I $4,231 · MI $325 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.851%APR 5.897% | 0 pts$0 | $4,115/moP&I $4,115 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.773%APR 6.806% | 0 pts$0 | $4,535/moP&I $4,535 · MI $0 | See details |
| Investment Property FixedConforming | 7.485%APR 7.523% | 0 pts$0 | $4,870/moP&I $4,870 · 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 | 5.851% | 5.897% | 0 pts ($0) | $5,830/mo | $114,541 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.841% | 5.887% | 0 pts ($0) | $7,283/mo | $159,925 |
Condo 10% Down | 10% | 720 credit score | 6.996% | 7.159% | 0 pts ($0) | $5,218/mo | $182,170 |
Conventional 10% Down | 10% | 720 credit score | 6.495% | 6.646% | 0 pts ($0) | $4,957/mo | $170,328 |
Conventional 20% Down | 20% | 740 credit score | 6.808% | 6.841% | 0 pts ($0) | $4,551/mo | $140,191 |
Conventional 5% Down | 5% | 700 credit score | 6.937% | 7.409% | 0 pts ($0) | $5,476/mo | $190,818 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.247% | 7.283% | 0 pts ($0) | $5,946/mo | $203,779 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,160/mo | $174,813 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.621% | 6.989% | 0 pts ($0) | $5,413/mo | $194,395 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.773% | 6.806% | 0 pts ($0) | $5,668/mo | $191,321 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,194/mo | $171,536 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.947% | 6.714% | 0 pts ($0) | $5,103/mo | $178,736 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,282/mo | $184,926 |
FHA Streamline Refi | 0% | 640 credit score | 6.066% | 6.835% | 0 pts ($0) | $5,356/mo | $188,391 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.910% | 7.150% | 0 pts ($0) | $5,461/mo | $197,598 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,455/mo | $106,796 |
Investment Property 25% Down | 25% | 740 credit score | 7.485% | 7.523% | 0 pts ($0) | $4,565/mo | $144,778 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $4,699/mo | $146,856 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $5,070/mo | $155,446 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.306% | 7.079% | 0 pts ($0) | $5,302/mo | $187,976 |
Second Home 10% Down | 10% | 720 credit score | 7.476% | 7.647% | 0 pts ($0) | $5,474/mo | $193,530 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,586/mo | $141,788 |
VA 0% Down | 0% | 700 credit score | 5.926% | 6.166% | 0 pts ($0) | $5,297/mo | $174,118 |
VA Cash-Out Refi | 0% | 640 credit score | 5.931% | 6.294% | 0 pts ($0) | $5,300/mo | $174,252 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.942% | 6.090% | 0 pts ($0) | $5,307/mo | $174,546 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,798/mo | $151,778 |
Frequently Asked Questions
What are today's mortgage rates in 19481, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 19481, , PA is 6.808% (with an estimated monthly payment of $3,860). Active program rates also include FHA 30-year fixed loans at 5.947% and VA 0%-down fixed loans at 5.926%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 19481, , 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 19481, , PA have fluctuated between a low of 6.427% and a high of 6.888%. 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 19481, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $871,869 in 19481, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $174,374 but keeps your monthly payment lower at $3,860/mo (at 6.808% interest) with no monthly PMI. In comparison, an FHA loan requires only $30,515 (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 $841,354 falls comfortably within the local HUD FHA loan limit of $1,002,649 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 19481 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 19481 is $806,501. With a typical local home value of $871,869 in , a standard 20%-down mortgage requires a loan size of $697,495. 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 19481, , PA impact estimated mortgage payments?
The median home value in 19481, , PA is estimated at $871,869. Buying a typical home here with a standard 20% down payment ($174,374) translates to an estimated starting monthly mortgage payment of $3,860 (principal and interest). Compared to the local area median household income of $230,972 ($19,248/mo), this basic housing payment represents approximately 20.1% 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.