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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 | 6.898%APR 6.934% | 0 pts$0 | $1,906/moP&I $1,906 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.044%APR 6.814% | 0 pts$0 | $1,909/moP&I $1,774 · MI $135 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.994%APR 6.045% | 0 pts$0 | $1,734/moP&I $1,734 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.854%APR 6.890% | 0 pts$0 | $1,897/moP&I $1,897 · MI $0 | See details |
| Investment Property FixedConforming | 7.624%APR 7.665% | 0 pts$0 | $2,048/moP&I $2,048 · 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 | 5.994% | 6.045% | 0 pts ($0) | $2,441/mo | $48,722 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.968% | 6.020% | 0 pts ($0) | $3,046/mo | $67,685 |
Condo 10% Down | 10% | 720 credit score | 7.153% | 7.321% | 0 pts ($0) | $2,200/mo | $77,127 |
Conventional 10% Down | 10% | 720 credit score | 6.597% | 6.753% | 0 pts ($0) | $2,079/mo | $71,672 |
Conventional 20% Down | 20% | 740 credit score | 6.898% | 6.934% | 0 pts ($0) | $1,906/mo | $58,952 |
Conventional 5% Down | 5% | 700 credit score | 7.011% | 7.489% | 0 pts ($0) | $2,289/mo | $79,940 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.340% | 7.379% | 0 pts ($0) | $2,490/mo | $85,566 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,141/mo | $72,533 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.807% | 7.182% | 0 pts ($0) | $2,289/mo | $82,624 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.854% | 6.890% | 0 pts ($0) | $2,371/mo | $80,265 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,985/mo | $71,173 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.044% | 6.814% | 0 pts ($0) | $2,140/mo | $75,196 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,192/mo | $76,729 |
FHA Streamline Refi | 0% | 640 credit score | 6.240% | 7.014% | 0 pts ($0) | $2,264/mo | $80,092 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.983% | 7.227% | 0 pts ($0) | $2,282/mo | $82,743 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,263/mo | $44,311 |
Investment Property 25% Down | 25% | 740 credit score | 7.624% | 7.665% | 0 pts ($0) | $1,920/mo | $61,209 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,950/mo | $60,933 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,103/mo | $64,497 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.412% | 7.189% | 0 pts ($0) | $2,225/mo | $79,127 |
Second Home 10% Down | 10% | 720 credit score | 5.943% | 6.515% | 0 pts ($0) | $1,940/mo | $65,267 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,903/mo | $58,830 |
VA 0% Down | 0% | 700 credit score | 6.038% | 6.282% | 0 pts ($0) | $2,225/mo | $73,488 |
VA Cash-Out Refi | 0% | 640 credit score | 6.050% | 6.418% | 0 pts ($0) | $2,227/mo | $73,621 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.067% | 6.219% | 0 pts ($0) | $2,231/mo | $73,810 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,991/mo | $62,975 |
Frequently Asked Questions
What are today's mortgage rates in 23090, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 23090, , VA is 6.898% (with an estimated monthly payment of $2,270). Active program rates also include FHA 30-year fixed loans at 6.044% and VA 0%-down fixed loans at 6.038%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 23090, , 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 23090, , VA have fluctuated between a low of 6.519% and a high of 6.976%. 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 23090, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $361,753 in 23090, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $72,351 but keeps your monthly payment lower at $2,270/mo (at 6.898% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,661 (3.5% down) but has an estimated payment of $2,549/mo (at 6.044% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $349,092 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 23090 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 23090 is $806,501. With a typical local home value of $361,753 in , a standard 20%-down mortgage requires a loan size of $289,402. 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 23090, , VA impact estimated mortgage payments?
The median home value in 23090, , VA is estimated at $361,753. Buying a typical home here with a standard 20% down payment ($72,351) translates to an estimated starting monthly mortgage payment of $2,270 (principal and interest). Compared to the local area median household income of $92,026 ($7,669/mo), this basic housing payment represents approximately 29.6% 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.