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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 | 6.887%APR 6.923% | 0 pts$0 | $2,392/moP&I $2,392 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.026%APR 6.796% | 0 pts$0 | $2,394/moP&I $2,224 · MI $170 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.974%APR 6.024% | 0 pts$0 | $2,174/moP&I $2,174 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.753%APR 6.789% | 0 pts$0 | $2,359/moP&I $2,359 · MI $0 | See details |
| Investment Property FixedConforming | 7.606%APR 7.647% | 0 pts$0 | $2,569/moP&I $2,569 · 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 | 5.974% | 6.024% | 0 pts ($0) | $3,063/mo | $61,005 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.973% | 6.025% | 0 pts ($0) | $3,829/mo | $85,107 |
Condo 10% Down | 10% | 720 credit score | 7.119% | 7.286% | 0 pts ($0) | $2,754/mo | $96,484 |
Conventional 10% Down | 10% | 720 credit score | 6.583% | 6.738% | 0 pts ($0) | $2,608/mo | $89,878 |
Conventional 20% Down | 20% | 740 credit score | 6.887% | 6.923% | 0 pts ($0) | $2,392/mo | $73,949 |
Conventional 5% Down | 5% | 700 credit score | 6.997% | 7.474% | 0 pts ($0) | $2,872/mo | $100,256 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.328% | 7.367% | 0 pts ($0) | $3,125/mo | $107,343 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,690/mo | $91,132 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.794% | 7.169% | 0 pts ($0) | $2,872/mo | $103,638 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.753% | 6.789% | 0 pts ($0) | $2,949/mo | $99,464 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,751/mo | $89,424 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.026% | 6.796% | 0 pts ($0) | $2,683/mo | $94,237 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,754/mo | $96,404 |
FHA Streamline Refi | 0% | 640 credit score | 6.204% | 6.977% | 0 pts ($0) | $2,834/mo | $100,129 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.975% | 7.219% | 0 pts ($0) | $2,865/mo | $103,856 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,844/mo | $55,674 |
Investment Property 25% Down | 25% | 740 credit score | 7.606% | 7.647% | 0 pts ($0) | $2,408/mo | $76,720 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,450/mo | $76,557 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,643/mo | $81,036 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.396% | 7.172% | 0 pts ($0) | $2,790/mo | $99,202 |
Second Home 10% Down | 10% | 720 credit score | 6.051% | 6.626% | 0 pts ($0) | $2,466/mo | $83,331 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,391/mo | $73,916 |
VA 0% Down | 0% | 700 credit score | 6.020% | 6.263% | 0 pts ($0) | $2,790/mo | $92,081 |
VA Cash-Out Refi | 0% | 640 credit score | 6.032% | 6.400% | 0 pts ($0) | $2,793/mo | $92,248 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.056% | 6.208% | 0 pts ($0) | $2,800/mo | $92,583 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,501/mo | $79,124 |
Frequently Asked Questions
What are today's mortgage rates in 23696, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 23696, , VA is 6.887% (with an estimated monthly payment of $2,390). Active program rates also include FHA 30-year fixed loans at 6.026% and VA 0%-down fixed loans at 6.020%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 23696, , 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 23696, , VA have fluctuated between a low of 6.501% and a high of 6.965%. 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 23696, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $454,515 in 23696, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $90,903 but keeps your monthly payment lower at $2,390/mo (at 6.887% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,908 (3.5% down) but has an estimated payment of $2,681/mo (at 6.026% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $438,607 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 23696 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 23696 is $806,501. With a typical local home value of $454,515 in , a standard 20%-down mortgage requires a loan size of $363,612. 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 23696, , VA impact estimated mortgage payments?
The median home value in 23696, , VA is estimated at $454,515. Buying a typical home here with a standard 20% down payment ($90,903) translates to an estimated starting monthly mortgage payment of $2,390 (principal and interest). Compared to the local area median household income of $139,266 ($11,606/mo), this basic housing payment represents approximately 20.6% 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.