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 Crozier
We rank active Crozier 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 | 6.824%APR 6.857% | 0 pts$0 | $3,272/moP&I $3,272 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.948%APR 6.715% | 0 pts$0 | $3,271/moP&I $3,037 · MI $233 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.870%APR 5.917% | 0 pts$0 | $2,960/moP&I $2,960 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.794%APR 6.828% | 0 pts$0 | $3,262/moP&I $3,262 · MI $0 | See details |
| Investment Property FixedConforming | 7.503%APR 7.541% | 0 pts$0 | $3,502/moP&I $3,502 · 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 | 5.870% | 5.917% | 0 pts ($0) | $4,190/mo | $82,493 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.865% | 5.912% | 0 pts ($0) | $5,236/mo | $115,229 |
Condo 10% Down | 10% | 720 credit score | 7.018% | 7.181% | 0 pts ($0) | $3,754/mo | $131,136 |
Conventional 10% Down | 10% | 720 credit score | 6.507% | 6.659% | 0 pts ($0) | $3,563/mo | $122,465 |
Conventional 20% Down | 20% | 740 credit score | 6.824% | 6.857% | 0 pts ($0) | $3,272/mo | $100,871 |
Conventional 5% Down | 5% | 700 credit score | 6.951% | 7.424% | 0 pts ($0) | $3,936/mo | $137,220 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.265% | 7.301% | 0 pts ($0) | $4,276/mo | $146,613 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,704/mo | $125,481 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.681% | 7.051% | 0 pts ($0) | $3,910/mo | $140,634 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.794% | 6.828% | 0 pts ($0) | $4,077/mo | $137,727 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,164/mo | $123,129 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.948% | 6.715% | 0 pts ($0) | $3,664/mo | $128,316 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,792/mo | $132,740 |
FHA Streamline Refi | 0% | 640 credit score | 6.067% | 6.836% | 0 pts ($0) | $3,845/mo | $135,247 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.925% | 7.166% | 0 pts ($0) | $3,926/mo | $142,105 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,915/mo | $76,658 |
Investment Property 25% Down | 25% | 740 credit score | 7.503% | 7.541% | 0 pts ($0) | $3,283/mo | $104,177 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,373/mo | $105,413 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,639/mo | $111,579 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.307% | 7.080% | 0 pts ($0) | $3,806/mo | $134,948 |
Second Home 10% Down | 10% | 720 credit score | 5.960% | 6.531% | 0 pts ($0) | $3,362/mo | $113,200 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,292/mo | $101,776 |
VA 0% Down | 0% | 700 credit score | 5.946% | 6.186% | 0 pts ($0) | $3,811/mo | $125,366 |
VA Cash-Out Refi | 0% | 640 credit score | 5.952% | 6.316% | 0 pts ($0) | $3,813/mo | $125,482 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.964% | 6.113% | 0 pts ($0) | $3,818/mo | $125,712 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,444/mo | $108,947 |
Frequently Asked Questions
What are today's mortgage rates in 23039, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 23039, , VA is 6.824% (with an estimated monthly payment of $3,397). Active program rates also include FHA 30-year fixed loans at 5.948% and VA 0%-down fixed loans at 5.946%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 23039, , 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 23039, , VA have fluctuated between a low of 6.444% and a high of 6.905%. 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 23039, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $625,830 in 23039, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $125,166 but keeps your monthly payment lower at $3,397/mo (at 6.824% interest) with no monthly PMI. In comparison, an FHA loan requires only $21,904 (3.5% down) but has an estimated payment of $3,804/mo (at 5.948% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $603,926 falls comfortably within the local HUD FHA loan limit of $719,705 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 23039 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 23039 is $806,501. With a typical local home value of $625,830 in , a standard 20%-down mortgage requires a loan size of $500,664. 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 23039, , VA impact estimated mortgage payments?
The median home value in 23039, , VA is estimated at $625,830. Buying a typical home here with a standard 20% down payment ($125,166) translates to an estimated starting monthly mortgage payment of $3,397 (principal and interest). Compared to the local area median household income of $128,056 ($10,671/mo), this basic housing payment represents approximately 31.8% 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.