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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 | 7.402%APR 7.456% | 0 pts$0 | $628/moP&I $628 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.197%APR 6.982% | 0 pts$0 | $608/moP&I $565 · MI $42 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.865%APR 6.946% | 0 pts$0 | $596/moP&I $596 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.363%APR 7.417% | 0 pts$0 | $626/moP&I $626 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.886% | 0 pts$0 | $642/moP&I $642 · 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 | 6.865% | 6.946% | 0 pts ($0) | $809/mo | $17,575 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.607% | 6.686% | 0 pts ($0) | $995/mo | $23,329 |
Condo 10% Down | 10% | 720 credit score | 7.625% | 7.841% | 0 pts ($0) | $723/mo | $25,640 |
Conventional 10% Down | 10% | 720 credit score | 7.036% | 7.213% | 0 pts ($0) | $682/mo | $23,826 |
Conventional 20% Down | 20% | 740 credit score | 7.402% | 7.456% | 0 pts ($0) | $628/mo | $19,866 |
Conventional 5% Down | 5% | 700 credit score | 7.257% | 7.758% | 0 pts ($0) | $736/mo | $25,868 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.625% | 7.756% | 0 pts ($0) | $803/mo | $27,808 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $671/mo | $22,745 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.839% | 7.228% | 0 pts ($0) | $720/mo | $26,016 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.363% | 7.417% | 0 pts ($0) | $783/mo | $26,911 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $936/mo | $22,319 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.197% | 6.982% | 0 pts ($0) | $682/mo | $24,093 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $687/mo | $24,061 |
FHA Streamline Refi | 0% | 640 credit score | 6.357% | 7.145% | 0 pts ($0) | $719/mo | $25,522 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.205% | 7.467% | 0 pts ($0) | $732/mo | $26,668 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $710/mo | $13,895 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.886% | 0 pts ($0) | $602/mo | $19,197 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $611/mo | $19,108 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $660/mo | $20,225 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.515% | 7.306% | 0 pts ($0) | $705/mo | $25,159 |
Second Home 10% Down | 10% | 720 credit score | 6.298% | 6.893% | 0 pts ($0) | $632/mo | $21,557 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $597/mo | $18,448 |
VA 0% Down | 0% | 700 credit score | 6.263% | 6.523% | 0 pts ($0) | $714/mo | $23,829 |
VA Cash-Out Refi | 0% | 640 credit score | 6.274% | 6.662% | 0 pts ($0) | $715/mo | $23,867 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.379% | 6.548% | 0 pts ($0) | $723/mo | $24,233 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $624/mo | $19,748 |
Frequently Asked Questions
What are today's mortgage rates in 24657, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 24657, , VA is 7.402% (with an estimated monthly payment of $736). Active program rates also include FHA 30-year fixed loans at 6.197% and VA 0%-down fixed loans at 6.263%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 24657, , 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 24657, , VA have fluctuated between a low of 7.310% and a high of 7.457%. 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 24657, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $113,441 in 24657, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $22,688 but keeps your monthly payment lower at $736/mo (at 7.402% interest) with no monthly PMI. In comparison, an FHA loan requires only $3,970 (3.5% down) but has an estimated payment of $799/mo (at 6.197% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $109,471 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 24657 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 24657 is $806,501. With a typical local home value of $113,441 in , a standard 20%-down mortgage requires a loan size of $90,753. 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 24657, , VA impact estimated mortgage payments?
The median home value in 24657, , VA is estimated at $113,441. Buying a typical home here with a standard 20% down payment ($22,688) translates to an estimated starting monthly mortgage payment of $736 (principal and interest). Compared to the local area median household income of $30,313 ($2,526/mo), this basic housing payment represents approximately 29.1% 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.