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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 | 6.984%APR 7.023% | 0 pts$0 | $1,792/moP&I $1,792 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.069%APR 6.842% | 0 pts$0 | $1,783/moP&I $1,658 · MI $126 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.229%APR 6.286% | 0 pts$0 | $1,657/moP&I $1,657 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.993%APR 7.032% | 0 pts$0 | $1,793/moP&I $1,793 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.715% | 0 pts$0 | $1,909/moP&I $1,909 · 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 | 6.229% | 6.286% | 0 pts ($0) | $2,310/mo | $47,246 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.076% | 6.132% | 0 pts ($0) | $2,859/mo | $64,137 |
Condo 10% Down | 10% | 720 credit score | 7.313% | 7.487% | 0 pts ($0) | $2,083/mo | $73,346 |
Conventional 10% Down | 10% | 720 credit score | 6.804% | 6.966% | 0 pts ($0) | $1,979/mo | $68,690 |
Conventional 20% Down | 20% | 740 credit score | 6.984% | 7.023% | 0 pts ($0) | $1,792/mo | $55,643 |
Conventional 5% Down | 5% | 700 credit score | 7.125% | 7.611% | 0 pts ($0) | $2,158/mo | $75,605 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.433% | 7.475% | 0 pts ($0) | $2,342/mo | $80,693 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,995/mo | $67,601 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.841% | 7.221% | 0 pts ($0) | $2,141/mo | $77,340 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.993% | 7.032% | 0 pts ($0) | $2,242/mo | $76,219 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,782/mo | $66,333 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.069% | 6.842% | 0 pts ($0) | $1,999/mo | $70,331 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,043/mo | $71,511 |
FHA Streamline Refi | 0% | 640 credit score | 6.264% | 7.040% | 0 pts ($0) | $2,115/mo | $74,894 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.087% | 7.335% | 0 pts ($0) | $2,150/mo | $78,120 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,109/mo | $41,298 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.715% | 0 pts ($0) | $1,790/mo | $57,055 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,817/mo | $56,789 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,960/mo | $60,111 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.434% | 7.213% | 0 pts ($0) | $2,078/mo | $73,966 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $1,834/mo | $62,033 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,774/mo | $54,830 |
VA 0% Down | 0% | 700 credit score | 6.090% | 6.337% | 0 pts ($0) | $2,085/mo | $69,029 |
VA Cash-Out Refi | 0% | 640 credit score | 6.078% | 6.450% | 0 pts ($0) | $2,082/mo | $68,905 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.083% | 6.238% | 0 pts ($0) | $2,083/mo | $68,956 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,855/mo | $58,693 |
Frequently Asked Questions
What are today's mortgage rates in 21722, Wilson-Conococheague, MD across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 21722, Wilson-Conococheague, MD is 6.984% (with an estimated monthly payment of $1,619). Active program rates also include FHA 30-year fixed loans at 6.069% and VA 0%-down fixed loans at 6.090%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 21722, Wilson-Conococheague, 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 21722, Wilson-Conococheague, MD have fluctuated between a low of 6.873% and a high of 7.126%. 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 21722, Wilson-Conococheague, MD?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $337,153 in 21722, Wilson-Conococheague, MD, a standard 20%-down Conventional loan requires an upfront cash down payment of $67,431 but keeps your monthly payment lower at $1,619/mo (at 6.984% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,800 (3.5% down) but has an estimated payment of $1,806/mo (at 6.069% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $325,353 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 21722 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 21722 is $806,501. With a typical local home value of $337,153 in Wilson-Conococheague, a standard 20%-down mortgage requires a loan size of $269,722. 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 21722, Wilson-Conococheague, MD impact estimated mortgage payments?
The median home value in 21722, Wilson-Conococheague, MD is estimated at $337,153. Buying a typical home here with a standard 20% down payment ($67,431) translates to an estimated starting monthly mortgage payment of $1,619 (principal and interest). Compared to the local area median household income of $81,642 ($6,804/mo), this basic housing payment represents approximately 23.8% 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.