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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 | 6.901%APR 6.937% | 0 pts$0 | $1,744/moP&I $1,744 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.050%APR 6.821% | 0 pts$0 | $1,747/moP&I $1,624 · MI $123 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.999%APR 6.050% | 0 pts$0 | $1,587/moP&I $1,587 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.765%APR 6.801% | 0 pts$0 | $1,720/moP&I $1,720 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.668% | 0 pts$0 | $1,874/moP&I $1,874 · 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 | 5.999% | 6.050% | 0 pts ($0) | $2,234/mo | $44,606 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.996% | 6.049% | 0 pts ($0) | $2,792/mo | $62,182 |
Condo 10% Down | 10% | 720 credit score | 7.164% | 7.333% | 0 pts ($0) | $2,014/mo | $70,649 |
Conventional 10% Down | 10% | 720 credit score | 6.601% | 6.757% | 0 pts ($0) | $1,902/mo | $65,596 |
Conventional 20% Down | 20% | 740 credit score | 6.901% | 6.937% | 0 pts ($0) | $1,744/mo | $53,950 |
Conventional 5% Down | 5% | 700 credit score | 7.016% | 7.494% | 0 pts ($0) | $2,095/mo | $73,171 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.343% | 7.382% | 0 pts ($0) | $2,278/mo | $78,300 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,958/mo | $66,348 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.811% | 7.186% | 0 pts ($0) | $2,095/mo | $75,617 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.765% | 6.801% | 0 pts ($0) | $2,150/mo | $72,534 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,731/mo | $65,105 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.050% | 6.821% | 0 pts ($0) | $1,958/mo | $68,843 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,005/mo | $70,186 |
FHA Streamline Refi | 0% | 640 credit score | 6.245% | 7.019% | 0 pts ($0) | $2,072/mo | $73,314 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.986% | 7.230% | 0 pts ($0) | $2,089/mo | $75,716 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,070/mo | $40,533 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.668% | 0 pts ($0) | $1,757/mo | $55,998 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,784/mo | $55,737 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,924/mo | $58,998 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.417% | 7.194% | 0 pts ($0) | $2,036/mo | $72,429 |
Second Home 10% Down | 10% | 720 credit score | 5.945% | 6.517% | 0 pts ($0) | $1,775/mo | $59,720 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,741/mo | $53,814 |
VA 0% Down | 0% | 700 credit score | 6.043% | 6.287% | 0 pts ($0) | $2,036/mo | $67,273 |
VA Cash-Out Refi | 0% | 640 credit score | 6.055% | 6.424% | 0 pts ($0) | $2,039/mo | $67,394 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.068% | 6.221% | 0 pts ($0) | $2,041/mo | $67,527 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,821/mo | $57,605 |
Frequently Asked Questions
What are today's mortgage rates in 22488, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 22488, , VA is 6.901% (with an estimated monthly payment of $2,237). Active program rates also include FHA 30-year fixed loans at 6.050% and VA 0%-down fixed loans at 6.043%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 22488, , VA?
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 22488, , VA have fluctuated between a low of 6.524% and a high of 6.979%. 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 22488, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $330,907 in 22488, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $66,181 but keeps your monthly payment lower at $2,237/mo (at 6.901% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,582 (3.5% down) but has an estimated payment of $2,513/mo (at 6.050% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $319,325 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 22488 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 22488 is $806,501. With a typical local home value of $330,907 in , a standard 20%-down mortgage requires a loan size of $264,726. 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 22488, , VA impact estimated mortgage payments?
The median home value in 22488, , VA is estimated at $330,907. Buying a typical home here with a standard 20% down payment ($66,181) translates to an estimated starting monthly mortgage payment of $2,237 (principal and interest). Compared to the local area median household income of $44,775 ($3,731/mo), this basic housing payment represents approximately 60.0% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.