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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 | 6.984%APR 7.023% | 0 pts$0 | $1,383/moP&I $1,383 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.069%APR 6.842% | 0 pts$0 | $1,376/moP&I $1,279 · MI $97 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.229%APR 6.286% | 0 pts$0 | $1,279/moP&I $1,279 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.851%APR 6.891% | 0 pts$0 | $1,364/moP&I $1,364 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.715% | 0 pts$0 | $1,473/moP&I $1,473 · 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 | 6.229% | 6.286% | 0 pts ($0) | $1,782/mo | $36,463 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.243% | 6.303% | 0 pts ($0) | $2,230/mo | $50,758 |
Condo 10% Down | 10% | 720 credit score | 7.313% | 7.487% | 0 pts ($0) | $1,608/mo | $56,606 |
Conventional 10% Down | 10% | 720 credit score | 6.804% | 6.966% | 0 pts ($0) | $1,527/mo | $53,012 |
Conventional 20% Down | 20% | 740 credit score | 6.984% | 7.023% | 0 pts ($0) | $1,383/mo | $42,943 |
Conventional 5% Down | 5% | 700 credit score | 7.125% | 7.611% | 0 pts ($0) | $1,665/mo | $58,349 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.433% | 7.475% | 0 pts ($0) | $1,807/mo | $62,276 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,540/mo | $52,171 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.841% | 7.221% | 0 pts ($0) | $1,652/mo | $59,688 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.851% | 6.891% | 0 pts ($0) | $1,705/mo | $57,709 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,147/mo | $51,193 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.069% | 6.842% | 0 pts ($0) | $1,543/mo | $54,279 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,576/mo | $55,189 |
FHA Streamline Refi | 0% | 640 credit score | 6.264% | 7.040% | 0 pts ($0) | $1,633/mo | $57,800 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.087% | 7.335% | 0 pts ($0) | $1,659/mo | $60,290 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,628/mo | $31,872 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.715% | 0 pts ($0) | $1,381/mo | $44,032 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,402/mo | $43,828 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,513/mo | $46,391 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.434% | 7.213% | 0 pts ($0) | $1,604/mo | $57,084 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $1,415/mo | $47,874 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,369/mo | $42,315 |
VA 0% Down | 0% | 700 credit score | 6.091% | 6.338% | 0 pts ($0) | $1,609/mo | $53,282 |
VA Cash-Out Refi | 0% | 640 credit score | 6.078% | 6.450% | 0 pts ($0) | $1,607/mo | $53,178 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.083% | 6.238% | 0 pts ($0) | $1,608/mo | $53,218 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,432/mo | $45,297 |
Frequently Asked Questions
What are today's mortgage rates in 25444, , WV across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 25444, , WV is 6.984% (with an estimated monthly payment of $1,618). Active program rates also include FHA 30-year fixed loans at 6.069% 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 25444, , 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 25444, , WV have fluctuated between a low of 6.873% and a high of 7.126%. 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 25444, , WV?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $260,201 in 25444, , WV, a standard 20%-down Conventional loan requires an upfront cash down payment of $52,040 but keeps your monthly payment lower at $1,618/mo (at 6.984% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,107 (3.5% down) but has an estimated payment of $1,806/mo (at 6.069% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $251,094 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 25444 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 25444 is $806,501. With a typical local home value of $260,201 in , a standard 20%-down mortgage requires a loan size of $208,161. 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 25444, , WV impact estimated mortgage payments?
The median home value in 25444, , WV is estimated at $260,201. Buying a typical home here with a standard 20% down payment ($52,040) translates to an estimated starting monthly mortgage payment of $1,618 (principal and interest). Compared to the local area median household income of $75,518 ($6,293/mo), this basic housing payment represents approximately 25.7% 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.