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 Yorktown
We rank active Yorktown 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 | 6.906%APR 6.942% | 0 pts$0 | $1,938/moP&I $1,938 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.942%APR 6.711% | 0 pts$0 | $1,920/moP&I $1,783 · MI $137 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.004%APR 6.056% | 0 pts$0 | $1,764/moP&I $1,764 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.754%APR 6.792% | 0 pts$0 | $1,908/moP&I $1,908 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.671% | 0 pts$0 | $2,082/moP&I $2,082 · 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 | 6.004% | 6.056% | 0 pts ($0) | $2,482/mo | $49,599 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.075% | 6.131% | 0 pts ($0) | $3,117/mo | $69,924 |
Condo 10% Down | 10% | 720 credit score | 7.181% | 7.351% | 0 pts ($0) | $2,242/mo | $78,660 |
Conventional 10% Down | 10% | 720 credit score | 6.607% | 6.763% | 0 pts ($0) | $2,115/mo | $72,936 |
Conventional 20% Down | 20% | 740 credit score | 6.906% | 6.942% | 0 pts ($0) | $1,938/mo | $59,982 |
Conventional 5% Down | 5% | 700 credit score | 7.023% | 7.501% | 0 pts ($0) | $2,329/mo | $81,366 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.349% | 7.388% | 0 pts ($0) | $2,533/mo | $87,057 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,176/mo | $73,712 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.817% | 7.193% | 0 pts ($0) | $2,329/mo | $84,074 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.754% | 6.792% | 0 pts ($0) | $2,385/mo | $80,462 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,034/mo | $72,330 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.942% | 6.711% | 0 pts ($0) | $2,151/mo | $75,312 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,227/mo | $77,976 |
FHA Streamline Refi | 0% | 640 credit score | 6.059% | 6.830% | 0 pts ($0) | $2,257/mo | $79,359 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.990% | 7.234% | 0 pts ($0) | $2,321/mo | $84,162 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,300/mo | $45,032 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.671% | 0 pts ($0) | $1,952/mo | $62,212 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,981/mo | $61,923 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,138/mo | $65,545 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.299% | 7.074% | 0 pts ($0) | $2,234/mo | $79,186 |
Second Home 10% Down | 10% | 720 credit score | 5.946% | 6.519% | 0 pts ($0) | $1,972/mo | $66,358 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,934/mo | $59,787 |
VA 0% Down | 0% | 700 credit score | 6.051% | 6.295% | 0 pts ($0) | $2,264/mo | $74,829 |
VA Cash-Out Refi | 0% | 640 credit score | 6.064% | 6.433% | 0 pts ($0) | $2,267/mo | $74,976 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.070% | 6.223% | 0 pts ($0) | $2,268/mo | $75,044 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,023/mo | $63,999 |
Frequently Asked Questions
What are today's mortgage rates in 23691, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 23691, , VA is 6.906% (with an estimated monthly payment of $2,185). Active program rates also include FHA 30-year fixed loans at 5.942% and VA 0%-down fixed loans at 6.051%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 23691, , 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 23691, , VA have fluctuated between a low of 6.533% and a high of 6.984%. 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 23691, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $367,633 in 23691, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $73,527 but keeps your monthly payment lower at $2,185/mo (at 6.906% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,867 (3.5% down) but has an estimated payment of $2,425/mo (at 5.942% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $354,766 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 23691 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 23691 is $806,501. With a typical local home value of $367,633 in , a standard 20%-down mortgage requires a loan size of $294,106. 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 23691, , VA impact estimated mortgage payments?
The median home value in 23691, , VA is estimated at $367,633. Buying a typical home here with a standard 20% down payment ($73,527) translates to an estimated starting monthly mortgage payment of $2,185 (principal and interest). Compared to the local area median household income of $77,880 ($6,490/mo), this basic housing payment represents approximately 33.7% 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.