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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 | 6.900%APR 6.936% | 0 pts$0 | $2,133/moP&I $2,133 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.049%APR 6.819% | 0 pts$0 | $2,137/moP&I $1,986 · MI $151 | 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 | $1,942/moP&I $1,942 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.922%APR 6.958% | 0 pts$0 | $2,138/moP&I $2,138 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.668% | 0 pts$0 | $2,293/moP&I $2,293 · 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) | $2,733/mo | $54,578 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.941% | 5.992% | 0 pts ($0) | $3,404/mo | $75,438 |
Condo 10% Down | 10% | 720 credit score | 7.163% | 7.332% | 0 pts ($0) | $2,464/mo | $86,432 |
Conventional 10% Down | 10% | 720 credit score | 6.600% | 6.756% | 0 pts ($0) | $2,327/mo | $80,250 |
Conventional 20% Down | 20% | 740 credit score | 6.900% | 6.936% | 0 pts ($0) | $2,133/mo | $66,000 |
Conventional 5% Down | 5% | 700 credit score | 7.015% | 7.493% | 0 pts ($0) | $2,563/mo | $89,517 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.343% | 7.382% | 0 pts ($0) | $2,788/mo | $95,804 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,396/mo | $81,181 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.811% | 7.186% | 0 pts ($0) | $2,563/mo | $92,522 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.922% | 6.958% | 0 pts ($0) | $2,673/mo | $90,664 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,341/mo | $79,659 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.049% | 6.819% | 0 pts ($0) | $2,396/mo | $84,221 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,453/mo | $85,877 |
FHA Streamline Refi | 0% | 640 credit score | 6.250% | 7.024% | 0 pts ($0) | $2,537/mo | $89,765 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.986% | 7.230% | 0 pts ($0) | $2,555/mo | $92,643 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,533/mo | $49,594 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.668% | 0 pts ($0) | $2,149/mo | $68,516 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,182/mo | $68,197 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,354/mo | $72,187 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.417% | 7.194% | 0 pts ($0) | $2,491/mo | $88,621 |
Second Home 10% Down | 10% | 720 credit score | 5.944% | 6.516% | 0 pts ($0) | $2,172/mo | $73,060 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,130/mo | $65,844 |
VA 0% Down | 0% | 700 credit score | 6.042% | 6.286% | 0 pts ($0) | $2,491/mo | $82,299 |
VA Cash-Out Refi | 0% | 640 credit score | 6.055% | 6.424% | 0 pts ($0) | $2,494/mo | $82,461 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.068% | 6.221% | 0 pts ($0) | $2,498/mo | $82,622 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,228/mo | $70,483 |
Frequently Asked Questions
What are today's mortgage rates in 23068, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 23068, , VA is 6.900% (with an estimated monthly payment of $2,239). Active program rates also include FHA 30-year fixed loans at 6.049% and VA 0%-down fixed loans at 6.042%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 23068, , 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 23068, , 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 23068, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $404,882 in 23068, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $80,976 but keeps your monthly payment lower at $2,239/mo (at 6.900% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,171 (3.5% down) but has an estimated payment of $2,515/mo (at 6.049% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $390,711 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 23068 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 23068 is $806,501. With a typical local home value of $404,882 in , a standard 20%-down mortgage requires a loan size of $323,906. 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 23068, , VA impact estimated mortgage payments?
The median home value in 23068, , VA is estimated at $404,882. Buying a typical home here with a standard 20% down payment ($80,976) translates to an estimated starting monthly mortgage payment of $2,239 (principal and interest). Compared to the local area median household income of $69,688 ($5,807/mo), this basic housing payment represents approximately 38.6% 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.