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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 | 6.992%APR 7.035% | 0 pts$0 | $447/moP&I $447 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.097%APR 6.874% | 0 pts$0 | $446/moP&I $414 · MI $31 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.250%APR 6.313% | 0 pts$0 | $414/moP&I $414 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.985%APR 7.028% | 0 pts$0 | $446/moP&I $446 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.726% | 0 pts$0 | $476/moP&I $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 | 6.250% | 6.313% | 0 pts ($0) | $576/mo | $11,812 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.058% | 6.119% | 0 pts ($0) | $711/mo | $15,936 |
Condo 10% Down | 10% | 720 credit score | 7.335% | 7.515% | 0 pts ($0) | $520/mo | $18,324 |
Conventional 10% Down | 10% | 720 credit score | 6.808% | 6.973% | 0 pts ($0) | $493/mo | $17,123 |
Conventional 20% Down | 20% | 740 credit score | 6.992% | 7.035% | 0 pts ($0) | $447/mo | $13,879 |
Conventional 5% Down | 5% | 700 credit score | 7.293% | 7.789% | 0 pts ($0) | $547/mo | $19,241 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.442% | 7.488% | 0 pts ($0) | $584/mo | $20,127 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $497/mo | $16,842 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.873% | 7.256% | 0 pts ($0) | $535/mo | $19,347 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.985% | 7.028% | 0 pts ($0) | $558/mo | $18,969 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $693/mo | $16,527 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.097% | 6.874% | 0 pts ($0) | $500/mo | $17,592 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $509/mo | $17,817 |
FHA Streamline Refi | 0% | 640 credit score | 6.291% | 7.071% | 0 pts ($0) | $529/mo | $18,729 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.265% | 7.521% | 0 pts ($0) | $545/mo | $19,892 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $526/mo | $10,289 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.726% | 0 pts ($0) | $446/mo | $14,215 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $453/mo | $14,149 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $488/mo | $14,976 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.458% | 7.241% | 0 pts ($0) | $519/mo | $18,488 |
Second Home 10% Down | 10% | 720 credit score | 6.098% | 6.680% | 0 pts ($0) | $458/mo | $15,507 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $442/mo | $13,661 |
VA 0% Down | 0% | 700 credit score | 6.120% | 6.370% | 0 pts ($0) | $521/mo | $17,276 |
VA Cash-Out Refi | 0% | 640 credit score | 6.125% | 6.501% | 0 pts ($0) | $521/mo | $17,288 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.123% | 6.282% | 0 pts ($0) | $521/mo | $17,283 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $462/mo | $14,623 |
Frequently Asked Questions
What are today's mortgage rates in 24869, , WV across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 24869, , WV is 6.992% (with an estimated monthly payment of $1,163). Active program rates also include FHA 30-year fixed loans at 6.097% and VA 0%-down fixed loans at 6.120%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 24869, , WV?
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 24869, , WV have fluctuated between a low of 6.884% and a high of 7.123%. 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 24869, , WV?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $84,000 in 24869, , WV, a standard 20%-down Conventional loan requires an upfront cash down payment of $16,800 but keeps your monthly payment lower at $1,163/mo (at 6.992% interest) with no monthly PMI. In comparison, an FHA loan requires only $2,940 (3.5% down) but has an estimated payment of $1,301/mo (at 6.097% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $81,060 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 24869 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 24869 is $806,501. With a typical local home value of $84,000 in , a standard 20%-down mortgage requires a loan size of $67,200. 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 24869, , WV impact estimated mortgage payments?
The median home value in 24869, , WV is estimated at $84,000. Buying a typical home here with a standard 20% down payment ($16,800) translates to an estimated starting monthly mortgage payment of $1,163 (principal and interest). Compared to the local area median household income of $41,726 ($3,477/mo), this basic housing payment represents approximately 33.5% 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.