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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 | 7.053%APR 7.094% | 0 pts$0 | $994/moP&I $994 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.086%APR 6.861% | 0 pts$0 | $984/moP&I $915 · MI $69 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.303%APR 6.363% | 0 pts$0 | $920/moP&I $920 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.808%APR 6.850% | 0 pts$0 | $969/moP&I $969 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.695% | 0 pts$0 | $1,051/moP&I $1,051 · 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 | 6.303% | 6.363% | 0 pts ($0) | $1,278/mo | $26,338 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.079% | 6.141% | 0 pts ($0) | $1,575/mo | $35,338 |
Condo 10% Down | 10% | 720 credit score | 7.269% | 7.445% | 0 pts ($0) | $1,142/mo | $40,172 |
Conventional 10% Down | 10% | 720 credit score | 6.849% | 7.014% | 0 pts ($0) | $1,095/mo | $38,056 |
Conventional 20% Down | 20% | 740 credit score | 7.053% | 7.094% | 0 pts ($0) | $994/mo | $30,953 |
Conventional 5% Down | 5% | 700 credit score | 7.247% | 7.739% | 0 pts ($0) | $1,203/mo | $42,286 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.493% | 7.537% | 0 pts ($0) | $1,297/mo | $44,776 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,099/mo | $37,229 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.855% | 7.236% | 0 pts ($0) | $1,181/mo | $42,669 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.808% | 6.850% | 0 pts ($0) | $1,211/mo | $40,941 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,532/mo | $36,531 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.086% | 6.861% | 0 pts ($0) | $1,103/mo | $38,826 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,125/mo | $39,383 |
FHA Streamline Refi | 0% | 640 credit score | 6.281% | 7.059% | 0 pts ($0) | $1,167/mo | $41,342 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.176% | 7.428% | 0 pts ($0) | $1,194/mo | $43,496 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,162/mo | $22,744 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.695% | 0 pts ($0) | $986/mo | $31,421 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,001/mo | $31,275 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,080/mo | $33,105 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.449% | 7.230% | 0 pts ($0) | $1,146/mo | $40,817 |
Second Home 10% Down | 10% | 720 credit score | 6.088% | 6.668% | 0 pts ($0) | $1,011/mo | $34,228 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $977/mo | $30,196 |
VA 0% Down | 0% | 700 credit score | 6.090% | 6.338% | 0 pts ($0) | $1,148/mo | $38,016 |
VA Cash-Out Refi | 0% | 640 credit score | 6.095% | 6.468% | 0 pts ($0) | $1,149/mo | $38,044 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.113% | 6.270% | 0 pts ($0) | $1,151/mo | $38,147 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,022/mo | $32,323 |
Frequently Asked Questions
What are today's mortgage rates in 25244, , WV across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 25244, , WV is 7.053% (with an estimated monthly payment of $1,387). Active program rates also include FHA 30-year fixed loans at 6.086% and VA 0%-down fixed loans at 6.090%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 25244, , 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 25244, , WV have fluctuated between a low of 6.935% and a high of 7.196%. 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 25244, , WV?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $185,678 in 25244, , WV, a standard 20%-down Conventional loan requires an upfront cash down payment of $37,136 but keeps your monthly payment lower at $1,387/mo (at 7.053% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,499 (3.5% down) but has an estimated payment of $1,540/mo (at 6.086% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $179,179 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 25244 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 25244 is $806,501. With a typical local home value of $185,678 in , a standard 20%-down mortgage requires a loan size of $148,542. 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 25244, , WV impact estimated mortgage payments?
The median home value in 25244, , WV is estimated at $185,678. Buying a typical home here with a standard 20% down payment ($37,136) translates to an estimated starting monthly mortgage payment of $1,387 (principal and interest). Compared to the local area median household income of $56,880 ($4,740/mo), this basic housing payment represents approximately 29.3% 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.