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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 | 6.948%APR 6.986% | 0 pts$0 | $2,556/moP&I $2,556 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.954%APR 6.724% | 0 pts$0 | $2,524/moP&I $2,344 · MI $180 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.090%APR 6.144% | 0 pts$0 | $2,338/moP&I $2,338 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.081%APR 7.129% | 0 pts$0 | $2,590/moP&I $2,590 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.694% | 0 pts$0 | $2,733/moP&I $2,733 · 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 | 6.090% | 6.144% | 0 pts ($0) | $3,277/mo | $66,086 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.144% | 6.202% | 0 pts ($0) | $4,111/mo | $92,776 |
Condo 10% Down | 10% | 720 credit score | 7.270% | 7.443% | 0 pts ($0) | $2,970/mo | $104,447 |
Conventional 10% Down | 10% | 720 credit score | 6.773% | 6.934% | 0 pts ($0) | $2,824/mo | $97,938 |
Conventional 20% Down | 20% | 740 credit score | 6.948% | 6.986% | 0 pts ($0) | $2,556/mo | $79,245 |
Conventional 5% Down | 5% | 700 credit score | 7.080% | 7.563% | 0 pts ($0) | $3,076/mo | $107,622 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.390% | 7.431% | 0 pts ($0) | $3,339/mo | $114,903 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $2,890/mo | $98,290 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.830% | 7.208% | 0 pts ($0) | $3,062/mo | $110,573 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.081% | 7.129% | 0 pts ($0) | $3,238/mo | $110,405 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,983/mo | $94,970 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.954% | 6.724% | 0 pts ($0) | $2,828/mo | $99,056 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,925/mo | $102,383 |
FHA Streamline Refi | 0% | 640 credit score | 6.075% | 6.847% | 0 pts ($0) | $2,968/mo | $104,435 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.037% | 7.283% | 0 pts ($0) | $3,062/mo | $111,155 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,020/mo | $59,127 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.694% | 0 pts ($0) | $2,562/mo | $81,685 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $2,569/mo | $79,850 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,807/mo | $86,062 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.315% | 7.091% | 0 pts ($0) | $2,938/mo | $104,200 |
Second Home 10% Down | 10% | 720 credit score | 5.959% | 6.533% | 0 pts ($0) | $2,593/mo | $87,298 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,539/mo | $78,500 |
VA 0% Down | 0% | 700 credit score | 6.077% | 6.323% | 0 pts ($0) | $2,981/mo | $98,637 |
VA Cash-Out Refi | 0% | 640 credit score | 6.081% | 6.452% | 0 pts ($0) | $2,982/mo | $98,696 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.088% | 6.242% | 0 pts ($0) | $2,984/mo | $98,800 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,656/mo | $84,031 |
Frequently Asked Questions
What are today's mortgage rates in 20658, , MD across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 20658, , MD is 6.948% (with an estimated monthly payment of $1,838). Active program rates also include FHA 30-year fixed loans at 5.954% and VA 0%-down fixed loans at 6.077%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 20658, , MD?
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 20658, , MD have fluctuated between a low of 6.603% and a high of 7.055%. 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 20658, , MD?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $482,705 in 20658, , MD, a standard 20%-down Conventional loan requires an upfront cash down payment of $96,541 but keeps your monthly payment lower at $1,838/mo (at 6.948% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,895 (3.5% down) but has an estimated payment of $2,034/mo (at 5.954% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $465,810 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 20658 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 20658 is $806,501. With a typical local home value of $482,705 in , a standard 20%-down mortgage requires a loan size of $386,164. 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 20658, , MD impact estimated mortgage payments?
The median home value in 20658, , MD is estimated at $482,705. Buying a typical home here with a standard 20% down payment ($96,541) translates to an estimated starting monthly mortgage payment of $1,838 (principal and interest). Compared to the local area median household income of $101,691 ($8,474/mo), this basic housing payment represents approximately 21.7% 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.