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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 | 6.985%APR 7.024% | 0 pts$0 | $1,385/moP&I $1,385 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.070%APR 6.843% | 0 pts$0 | $1,379/moP&I $1,282 · MI $97 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.234%APR 6.291% | 0 pts$0 | $1,282/moP&I $1,282 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.940%APR 6.980% | 0 pts$0 | $1,379/moP&I $1,379 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.715% | 0 pts$0 | $1,476/moP&I $1,476 · 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 | 6.234% | 6.291% | 0 pts ($0) | $1,786/mo | $36,557 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.130% | 6.188% | 0 pts ($0) | $2,218/mo | $49,993 |
Condo 10% Down | 10% | 720 credit score | 7.314% | 7.489% | 0 pts ($0) | $1,611/mo | $56,713 |
Conventional 10% Down | 10% | 720 credit score | 6.805% | 6.967% | 0 pts ($0) | $1,530/mo | $53,113 |
Conventional 20% Down | 20% | 740 credit score | 6.985% | 7.024% | 0 pts ($0) | $1,385/mo | $43,025 |
Conventional 5% Down | 5% | 700 credit score | 7.127% | 7.613% | 0 pts ($0) | $1,669/mo | $58,467 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.434% | 7.476% | 0 pts ($0) | $1,811/mo | $62,394 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,543/mo | $52,263 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.841% | 7.221% | 0 pts ($0) | $1,655/mo | $59,793 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.940% | 6.980% | 0 pts ($0) | $1,724/mo | $58,510 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,151/mo | $51,284 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.070% | 6.843% | 0 pts ($0) | $1,546/mo | $54,382 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,579/mo | $55,287 |
FHA Streamline Refi | 0% | 640 credit score | 6.264% | 7.040% | 0 pts ($0) | $1,635/mo | $57,902 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.088% | 7.337% | 0 pts ($0) | $1,662/mo | $60,404 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,631/mo | $31,928 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.715% | 0 pts ($0) | $1,384/mo | $44,110 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,405/mo | $43,905 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,516/mo | $46,473 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.434% | 7.213% | 0 pts ($0) | $1,607/mo | $57,184 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $1,418/mo | $47,959 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,371/mo | $42,390 |
VA 0% Down | 0% | 700 credit score | 6.091% | 6.338% | 0 pts ($0) | $1,612/mo | $53,376 |
VA Cash-Out Refi | 0% | 640 credit score | 6.078% | 6.450% | 0 pts ($0) | $1,610/mo | $53,272 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.083% | 6.238% | 0 pts ($0) | $1,611/mo | $53,312 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,434/mo | $45,377 |
Frequently Asked Questions
What are today's mortgage rates in 24069, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 24069, , VA is 6.985% (with an estimated monthly payment of $1,614). Active program rates also include FHA 30-year fixed loans at 6.070% and VA 0%-down fixed loans at 6.091%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 24069, , 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 24069, , VA have fluctuated between a low of 6.874% and a high of 7.128%. 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 24069, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $260,660 in 24069, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $52,132 but keeps your monthly payment lower at $1,614/mo (at 6.985% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,123 (3.5% down) but has an estimated payment of $1,801/mo (at 6.070% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $251,537 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 24069 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 24069 is $806,501. With a typical local home value of $260,660 in , a standard 20%-down mortgage requires a loan size of $208,528. 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 24069, , VA impact estimated mortgage payments?
The median home value in 24069, , VA is estimated at $260,660. Buying a typical home here with a standard 20% down payment ($52,132) translates to an estimated starting monthly mortgage payment of $1,614 (principal and interest). Compared to the local area median household income of $62,388 ($5,199/mo), this basic housing payment represents approximately 31.0% 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.