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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 | 6.820%APR 6.853% | 0 pts$0 | $3,526/moP&I $3,526 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.947%APR 6.714% | 0 pts$0 | $3,526/moP&I $3,274 · MI $252 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.865%APR 5.911% | 0 pts$0 | $3,190/moP&I $3,190 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.787%APR 6.821% | 0 pts$0 | $3,514/moP&I $3,514 · MI $0 | See details |
| Investment Property FixedConforming | 7.495%APR 7.533% | 0 pts$0 | $3,772/moP&I $3,772 · 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 | 5.865% | 5.911% | 0 pts ($0) | $4,516/mo | $88,859 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.857% | 5.904% | 0 pts ($0) | $5,642/mo | $124,074 |
Condo 10% Down | 10% | 720 credit score | 7.011% | 7.174% | 0 pts ($0) | $4,045/mo | $141,252 |
Conventional 10% Down | 10% | 720 credit score | 6.502% | 6.654% | 0 pts ($0) | $3,839/mo | $131,941 |
Conventional 20% Down | 20% | 740 credit score | 6.820% | 6.853% | 0 pts ($0) | $3,526/mo | $108,686 |
Conventional 5% Down | 5% | 700 credit score | 6.947% | 7.420% | 0 pts ($0) | $4,242/mo | $147,863 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.260% | 7.296% | 0 pts ($0) | $4,607/mo | $157,964 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,993/mo | $135,284 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.665% | 7.035% | 0 pts ($0) | $4,208/mo | $151,305 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.787% | 6.821% | 0 pts ($0) | $4,393/mo | $148,343 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,568/mo | $132,748 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.947% | 6.714% | 0 pts ($0) | $3,949/mo | $138,320 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,088/mo | $143,110 |
FHA Streamline Refi | 0% | 640 credit score | 6.066% | 6.835% | 0 pts ($0) | $4,145/mo | $145,792 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.921% | 7.162% | 0 pts ($0) | $4,231/mo | $153,129 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,221/mo | $82,647 |
Investment Property 25% Down | 25% | 740 credit score | 7.495% | 7.533% | 0 pts ($0) | $3,537/mo | $112,193 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,637/mo | $113,648 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,923/mo | $120,296 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.306% | 7.079% | 0 pts ($0) | $4,103/mo | $145,470 |
Second Home 10% Down | 10% | 720 credit score | 5.954% | 6.524% | 0 pts ($0) | $3,623/mo | $121,933 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,549/mo | $109,727 |
VA 0% Down | 0% | 700 credit score | 5.941% | 6.181% | 0 pts ($0) | $4,106/mo | $135,056 |
VA Cash-Out Refi | 0% | 640 credit score | 5.946% | 6.310% | 0 pts ($0) | $4,108/mo | $135,160 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.959% | 6.108% | 0 pts ($0) | $4,114/mo | $135,429 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,713/mo | $117,457 |
Frequently Asked Questions
What are today's mortgage rates in 19490, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 19490, , PA is 6.820% (with an estimated monthly payment of $3,509). Active program rates also include FHA 30-year fixed loans at 5.947% and VA 0%-down fixed loans at 5.941%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 19490, , 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 19490, , PA have fluctuated between a low of 6.440% and a high of 6.900%. 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 19490, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $674,719 in 19490, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $134,944 but keeps your monthly payment lower at $3,509/mo (at 6.820% interest) with no monthly PMI. In comparison, an FHA loan requires only $23,615 (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 $651,104 falls comfortably within the local HUD FHA loan limit of $775,927 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 19490 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 19490 is $806,501. With a typical local home value of $674,719 in , a standard 20%-down mortgage requires a loan size of $539,775. 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 19490, , PA impact estimated mortgage payments?
The median home value in 19490, , PA is estimated at $674,719. Buying a typical home here with a standard 20% down payment ($134,944) translates to an estimated starting monthly mortgage payment of $3,509 (principal and interest). Compared to the local area median household income of $190,508 ($15,876/mo), this basic housing payment represents approximately 22.1% 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.