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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 | 6.915%APR 6.952% | 0 pts$0 | $2,279/moP&I $2,279 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.944%APR 6.713% | 0 pts$0 | $2,256/moP&I $2,095 · MI $161 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.023%APR 6.075% | 0 pts$0 | $2,077/moP&I $2,077 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.781%APR 6.818% | 0 pts$0 | $2,248/moP&I $2,248 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.676% | 0 pts$0 | $2,446/moP&I $2,446 · 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 | 6.023% | 6.075% | 0 pts ($0) | $2,920/mo | $58,461 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.022% | 6.076% | 0 pts ($0) | $3,650/mo | $81,486 |
Condo 10% Down | 10% | 720 credit score | 7.210% | 7.380% | 0 pts ($0) | $2,641/mo | $92,752 |
Conventional 10% Down | 10% | 720 credit score | 6.619% | 6.775% | 0 pts ($0) | $2,487/mo | $85,828 |
Conventional 20% Down | 20% | 740 credit score | 6.915% | 6.952% | 0 pts ($0) | $2,279/mo | $70,562 |
Conventional 5% Down | 5% | 700 credit score | 7.035% | 7.514% | 0 pts ($0) | $2,739/mo | $95,739 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.358% | 7.398% | 0 pts ($0) | $2,978/mo | $102,394 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,556/mo | $86,599 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.821% | 7.197% | 0 pts ($0) | $2,737/mo | $98,823 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.781% | 6.818% | 0 pts ($0) | $2,810/mo | $94,881 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,564/mo | $84,976 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.944% | 6.713% | 0 pts ($0) | $2,527/mo | $88,504 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,617/mo | $91,609 |
FHA Streamline Refi | 0% | 640 credit score | 6.062% | 6.833% | 0 pts ($0) | $2,652/mo | $93,272 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.998% | 7.243% | 0 pts ($0) | $2,729/mo | $98,974 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,702/mo | $52,904 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.676% | 0 pts ($0) | $2,293/mo | $73,089 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,328/mo | $72,749 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,511/mo | $77,005 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.302% | 7.077% | 0 pts ($0) | $2,626/mo | $93,068 |
Second Home 10% Down | 10% | 720 credit score | 5.949% | 6.522% | 0 pts ($0) | $2,318/mo | $77,994 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,272/mo | $70,239 |
VA 0% Down | 0% | 700 credit score | 6.064% | 6.309% | 0 pts ($0) | $2,663/mo | $88,084 |
VA Cash-Out Refi | 0% | 640 credit score | 6.068% | 6.438% | 0 pts ($0) | $2,664/mo | $88,137 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.074% | 6.227% | 0 pts ($0) | $2,666/mo | $88,216 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,377/mo | $75,188 |
Frequently Asked Questions
What are today's mortgage rates in 22542, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 22542, , VA is 6.915% (with an estimated monthly payment of $2,099). Active program rates also include FHA 30-year fixed loans at 5.944% and VA 0%-down fixed loans at 6.064%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 22542, , 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 22542, , VA have fluctuated between a low of 6.548% and a high of 6.994%. 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 22542, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $431,906 in 22542, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $86,381 but keeps your monthly payment lower at $2,099/mo (at 6.915% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,117 (3.5% down) but has an estimated payment of $2,328/mo (at 5.944% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $416,789 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 22542 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 22542 is $806,501. With a typical local home value of $431,906 in , a standard 20%-down mortgage requires a loan size of $345,525. 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 22542, , VA impact estimated mortgage payments?
The median home value in 22542, , VA is estimated at $431,906. Buying a typical home here with a standard 20% down payment ($86,381) translates to an estimated starting monthly mortgage payment of $2,099 (principal and interest). Compared to the local area median household income of $109,374 ($9,115/mo), this basic housing payment represents approximately 23.0% 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.