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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 | 7.211%APR 7.259% | 0 pts$0 | $635/moP&I $635 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.114%APR 6.894% | 0 pts$0 | $621/moP&I $577 · MI $44 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.403%APR 6.473% | 0 pts$0 | $585/moP&I $585 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.134%APR 7.295% | 0 pts$0 | $630/moP&I $630 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.795% | 0 pts$0 | $661/moP&I $661 · 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 | 6.403% | 6.473% | 0 pts ($0) | $809/mo | $16,839 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.325% | 6.431% | 0 pts ($0) | $1,006/mo | $23,062 |
Condo 10% Down | 10% | 720 credit score | 7.473% | 7.659% | 0 pts ($0) | $733/mo | $25,917 |
Conventional 10% Down | 10% | 720 credit score | 6.913% | 7.084% | 0 pts ($0) | $693/mo | $24,141 |
Conventional 20% Down | 20% | 740 credit score | 7.211% | 7.259% | 0 pts ($0) | $635/mo | $19,916 |
Conventional 5% Down | 5% | 700 credit score | 7.172% | 7.666% | 0 pts ($0) | $751/mo | $26,349 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.608% | 7.659% | 0 pts ($0) | $825/mo | $28,572 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $691/mo | $23,419 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.803% | 7.187% | 0 pts ($0) | $739/mo | $26,663 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.134% | 7.295% | 0 pts ($0) | $788/mo | $26,901 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $964/mo | $22,980 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.114% | 6.894% | 0 pts ($0) | $696/mo | $24,520 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $708/mo | $24,774 |
FHA Streamline Refi | 0% | 640 credit score | 6.308% | 7.091% | 0 pts ($0) | $736/mo | $26,103 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.113% | 7.368% | 0 pts ($0) | $747/mo | $27,150 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $731/mo | $14,307 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.795% | 0 pts ($0) | $620/mo | $19,765 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $630/mo | $19,674 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $679/mo | $20,824 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.473% | 7.259% | 0 pts ($0) | $723/mo | $25,759 |
Second Home 10% Down | 10% | 720 credit score | 6.128% | 6.714% | 0 pts ($0) | $639/mo | $21,657 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $614/mo | $18,995 |
VA 0% Down | 0% | 700 credit score | 6.151% | 6.405% | 0 pts ($0) | $727/mo | $24,132 |
VA Cash-Out Refi | 0% | 640 credit score | 6.166% | 6.547% | 0 pts ($0) | $728/mo | $24,186 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.196% | 6.359% | 0 pts ($0) | $730/mo | $24,294 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $643/mo | $20,333 |
Frequently Asked Questions
What are today's mortgage rates in 25285, , WV across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 25285, , WV is 7.211% (with an estimated monthly payment of $913). Active program rates also include FHA 30-year fixed loans at 6.114% and VA 0%-down fixed loans at 6.151%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 25285, , 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 25285, , WV have fluctuated between a low of 7.025% and a high of 7.283%. 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 25285, , WV?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $116,800 in 25285, , WV, a standard 20%-down Conventional loan requires an upfront cash down payment of $23,360 but keeps your monthly payment lower at $913/mo (at 7.211% interest) with no monthly PMI. In comparison, an FHA loan requires only $4,088 (3.5% down) but has an estimated payment of $1,001/mo (at 6.114% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $112,712 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 25285 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 25285 is $806,501. With a typical local home value of $116,800 in , a standard 20%-down mortgage requires a loan size of $93,440. 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 25285, , WV impact estimated mortgage payments?
The median home value in 25285, , WV is estimated at $116,800. Buying a typical home here with a standard 20% down payment ($23,360) translates to an estimated starting monthly mortgage payment of $913 (principal and interest). Compared to the local area median household income of $51,149 ($4,262/mo), this basic housing payment represents approximately 21.4% 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.