Select your Scenario
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.
See Safe Rate's top scoring lenders for Sumerduck
We rank active Sumerduck lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.862%APR 6.897% | 0 pts$0 | $2,834/moP&I $2,834 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.997%APR 6.766% | 0 pts$0 | $2,836/moP&I $2,634 · MI $201 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.935%APR 5.984% | 0 pts$0 | $2,572/moP&I $2,572 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.613%APR 6.647% | 0 pts$0 | $2,763/moP&I $2,763 · MI $0 | See details |
| Investment Property FixedConforming | 7.570%APR 7.610% | 0 pts$0 | $3,041/moP&I $3,041 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 5.935% | 5.984% | 0 pts ($0) | $3,630/mo | $71,986 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.948% | 5.999% | 0 pts ($0) | $4,541/mo | $100,715 |
Condo 10% Down | 10% | 720 credit score | 6.918% | 7.081% | 0 pts ($0) | $3,206/mo | $111,678 |
Conventional 10% Down | 10% | 720 credit score | 6.557% | 6.711% | 0 pts ($0) | $3,090/mo | $106,393 |
Conventional 20% Down | 20% | 740 credit score | 6.862% | 6.897% | 0 pts ($0) | $2,834/mo | $87,525 |
Conventional 5% Down | 5% | 700 credit score | 6.862% | 7.333% | 0 pts ($0) | $3,365/mo | $117,016 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.909% | 6.944% | 0 pts ($0) | $3,559/mo | $120,700 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $3,233/mo | $109,948 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.769% | 7.143% | 0 pts ($0) | $3,404/mo | $122,726 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.613% | 6.647% | 0 pts ($0) | $3,453/mo | $115,885 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,456/mo | $106,234 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.997% | 6.766% | 0 pts ($0) | $3,178/mo | $111,490 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,271/mo | $114,527 |
FHA Streamline Refi | 0% | 640 credit score | 6.135% | 6.906% | 0 pts ($0) | $3,342/mo | $117,812 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.862% | 7.102% | 0 pts ($0) | $3,365/mo | $121,633 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,378/mo | $66,140 |
Investment Property 25% Down | 25% | 740 credit score | 7.570% | 7.610% | 0 pts ($0) | $2,851/mo | $90,702 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $2,874/mo | $89,321 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,140/mo | $96,269 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.372% | 7.147% | 0 pts ($0) | $3,307/mo | $117,468 |
Second Home 10% Down | 10% | 720 credit score | 6.874% | 7.034% | 0 pts ($0) | $3,192/mo | $111,033 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,840/mo | $87,811 |
VA 0% Down | 0% | 700 credit score | 5.993% | 6.235% | 0 pts ($0) | $3,304/mo | $108,943 |
VA Cash-Out Refi | 0% | 640 credit score | 5.997% | 6.363% | 0 pts ($0) | $3,306/mo | $109,010 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.019% | 6.170% | 0 pts ($0) | $3,314/mo | $109,374 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,971/mo | $93,998 |
Frequently Asked Questions
What are today's mortgage rates in 22742, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 22742, , VA is 6.862% (with an estimated monthly payment of $2,660). Active program rates also include FHA 30-year fixed loans at 5.997% and VA 0%-down fixed loans at 5.993%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 22742, , 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 22742, , VA have fluctuated between a low of 6.424% and a high of 6.884%. 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 22742, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $539,958 in 22742, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $107,992 but keeps your monthly payment lower at $2,660/mo (at 6.862% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,899 (3.5% down) but has an estimated payment of $2,983/mo (at 5.997% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $521,059 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 22742 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 22742 is $806,501. With a typical local home value of $539,958 in , a standard 20%-down mortgage requires a loan size of $431,966. 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 22742, , VA impact estimated mortgage payments?
The median home value in 22742, , VA is estimated at $539,958. Buying a typical home here with a standard 20% down payment ($107,992) translates to an estimated starting monthly mortgage payment of $2,660 (principal and interest). Compared to the local area median household income of $99,394 ($8,283/mo), this basic housing payment represents approximately 32.1% 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.