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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 | 6.977%APR 7.019% | 0 pts$0 | $1,059/moP&I $1,059 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.088%APR 6.864% | 0 pts$0 | $1,057/moP&I $983 · MI $74 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.193%APR 6.254% | 0 pts$0 | $977/moP&I $977 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.831%APR 6.874% | 0 pts$0 | $1,044/moP&I $1,044 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.713% | 0 pts$0 | $1,130/moP&I $1,130 · 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 | 6.193% | 6.254% | 0 pts ($0) | $1,363/mo | $27,789 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.125% | 6.189% | 0 pts ($0) | $1,697/mo | $38,233 |
Condo 10% Down | 10% | 720 credit score | 7.308% | 7.486% | 0 pts ($0) | $1,232/mo | $43,372 |
Conventional 10% Down | 10% | 720 credit score | 6.889% | 7.055% | 0 pts ($0) | $1,181/mo | $41,104 |
Conventional 20% Down | 20% | 740 credit score | 6.977% | 7.019% | 0 pts ($0) | $1,059/mo | $32,890 |
Conventional 5% Down | 5% | 700 credit score | 7.284% | 7.779% | 0 pts ($0) | $1,297/mo | $45,644 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.425% | 7.470% | 0 pts ($0) | $1,385/mo | $47,698 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,181/mo | $39,999 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.867% | 7.249% | 0 pts ($0) | $1,270/mo | $45,914 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.831% | 6.874% | 0 pts ($0) | $1,305/mo | $44,125 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,646/mo | $39,250 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.088% | 6.864% | 0 pts ($0) | $1,186/mo | $41,727 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,209/mo | $42,313 |
FHA Streamline Refi | 0% | 640 credit score | 6.283% | 7.062% | 0 pts ($0) | $1,254/mo | $44,431 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.256% | 7.511% | 0 pts ($0) | $1,294/mo | $47,190 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,248/mo | $24,436 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.713% | 0 pts ($0) | $1,059/mo | $33,759 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,075/mo | $33,602 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,160/mo | $35,568 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.450% | 7.232% | 0 pts ($0) | $1,232/mo | $43,860 |
Second Home 10% Down | 10% | 720 credit score | 6.099% | 6.681% | 0 pts ($0) | $1,088/mo | $36,834 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,049/mo | $32,443 |
VA 0% Down | 0% | 700 credit score | 6.114% | 6.364% | 0 pts ($0) | $1,237/mo | $40,992 |
VA Cash-Out Refi | 0% | 640 credit score | 6.116% | 6.491% | 0 pts ($0) | $1,237/mo | $41,004 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.124% | 6.282% | 0 pts ($0) | $1,238/mo | $41,053 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,098/mo | $34,729 |
Frequently Asked Questions
What are today's mortgage rates in 26678, , WV across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 26678, , WV is 6.977% (with an estimated monthly payment of $1,231). Active program rates also include FHA 30-year fixed loans at 6.088% and VA 0%-down fixed loans at 6.114%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 26678, , 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 26678, , WV have fluctuated between a low of 6.864% and a high of 7.116%. 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 26678, , WV?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $199,494 in 26678, , WV, a standard 20%-down Conventional loan requires an upfront cash down payment of $39,899 but keeps your monthly payment lower at $1,231/mo (at 6.977% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,982 (3.5% down) but has an estimated payment of $1,377/mo (at 6.088% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $192,512 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 26678 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 26678 is $806,501. With a typical local home value of $199,494 in , a standard 20%-down mortgage requires a loan size of $159,595. 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 26678, , WV impact estimated mortgage payments?
The median home value in 26678, , WV is estimated at $199,494. Buying a typical home here with a standard 20% down payment ($39,899) translates to an estimated starting monthly mortgage payment of $1,231 (principal and interest). Compared to the local area median household income of $58,420 ($4,868/mo), this basic housing payment represents approximately 25.3% 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.