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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 | 6.922%APR 6.959% | 0 pts$0 | $2,658/moP&I $2,658 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.946%APR 6.715% | 0 pts$0 | $2,630/moP&I $2,442 · MI $188 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.037%APR 6.090% | 0 pts$0 | $2,424/moP&I $2,424 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.886%APR 6.924% | 0 pts$0 | $2,648/moP&I $2,648 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.680% | 0 pts$0 | $2,850/moP&I $2,850 · 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 | 6.037% | 6.090% | 0 pts ($0) | $3,406/mo | $68,290 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.018% | 6.072% | 0 pts ($0) | $4,252/mo | $94,900 |
Condo 10% Down | 10% | 720 credit score | 7.233% | 7.404% | 0 pts ($0) | $3,085/mo | $108,401 |
Conventional 10% Down | 10% | 720 credit score | 6.750% | 6.910% | 0 pts ($0) | $2,938/mo | $101,806 |
Conventional 20% Down | 20% | 740 credit score | 6.922% | 6.959% | 0 pts ($0) | $2,658/mo | $82,313 |
Conventional 5% Down | 5% | 700 credit score | 7.044% | 7.525% | 0 pts ($0) | $3,195/mo | $111,698 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.366% | 7.406% | 0 pts ($0) | $3,473/mo | $119,445 |
Conventional High Balance | 10% | 740 credit score | 7.001% | 7.034% | 0 pts ($0) | $3,014/mo | $102,514 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.823% | 7.201% | 0 pts ($0) | $3,190/mo | $115,192 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.886% | 6.924% | 0 pts ($0) | $3,310/mo | $112,160 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,153/mo | $99,025 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.946% | 6.715% | 0 pts ($0) | $2,946/mo | $103,167 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,049/mo | $106,755 |
FHA Streamline Refi | 0% | 640 credit score | 6.065% | 6.836% | 0 pts ($0) | $3,092/mo | $108,740 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.002% | 7.247% | 0 pts ($0) | $3,182/mo | $115,396 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,149/mo | $61,651 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.680% | 0 pts ($0) | $2,672/mo | $85,173 |
Jumbo Conforming | 20% | 760 credit score | 7.003% | 7.035% | 0 pts ($0) | $2,680/mo | $83,296 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,927/mo | $89,736 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.305% | 7.080% | 0 pts ($0) | $3,061/mo | $108,500 |
Second Home 10% Down | 10% | 720 credit score | 5.951% | 6.524% | 0 pts ($0) | $2,702/mo | $90,917 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,648/mo | $81,852 |
VA 0% Down | 0% | 700 credit score | 6.067% | 6.312% | 0 pts ($0) | $3,105/mo | $102,694 |
VA Cash-Out Refi | 0% | 640 credit score | 6.070% | 6.440% | 0 pts ($0) | $3,106/mo | $102,740 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.077% | 6.230% | 0 pts ($0) | $3,108/mo | $102,848 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,770/mo | $87,619 |
Frequently Asked Questions
What are today's mortgage rates in 22711, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 22711, , VA is 6.922% (with an estimated monthly payment of $2,038). Active program rates also include FHA 30-year fixed loans at 5.946% and VA 0%-down fixed loans at 6.067%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 22711, , 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 22711, , VA have fluctuated between a low of 6.559% and a high of 6.998%. 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 22711, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $503,315 in 22711, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $100,663 but keeps your monthly payment lower at $2,038/mo (at 6.922% interest) with no monthly PMI. In comparison, an FHA loan requires only $17,616 (3.5% down) but has an estimated payment of $2,259/mo (at 5.946% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $485,699 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 22711 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 22711 is $806,501. With a typical local home value of $503,315 in , a standard 20%-down mortgage requires a loan size of $402,652. 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 22711, , VA impact estimated mortgage payments?
The median home value in 22711, , VA is estimated at $503,315. Buying a typical home here with a standard 20% down payment ($100,663) translates to an estimated starting monthly mortgage payment of $2,038 (principal and interest). Compared to the local area median household income of $82,283 ($6,857/mo), this basic housing payment represents approximately 29.7% 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.