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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 | 7.000%APR 7.040% | 0 pts$0 | $574/moP&I $574 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.077%APR 6.851% | 0 pts$0 | $571/moP&I $530 · MI $40 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.263%APR 6.321% | 0 pts$0 | $532/moP&I $532 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.782%APR 6.822% | 0 pts$0 | $561/moP&I $561 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.725% | 0 pts$0 | $610/moP&I $610 · 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 | 6.263% | 6.321% | 0 pts ($0) | $740/mo | $15,191 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.024% | 6.083% | 0 pts ($0) | $911/mo | $20,344 |
Condo 10% Down | 10% | 720 credit score | 7.335% | 7.511% | 0 pts ($0) | $667/mo | $23,516 |
Conventional 10% Down | 10% | 720 credit score | 6.821% | 6.984% | 0 pts ($0) | $634/mo | $22,012 |
Conventional 20% Down | 20% | 740 credit score | 7.000% | 7.040% | 0 pts ($0) | $574/mo | $17,833 |
Conventional 5% Down | 5% | 700 credit score | 7.172% | 7.660% | 0 pts ($0) | $693/mo | $24,319 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.455% | 7.498% | 0 pts ($0) | $750/mo | $25,872 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $638/mo | $21,614 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.846% | 7.226% | 0 pts ($0) | $685/mo | $24,744 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.782% | 6.822% | 0 pts ($0) | $701/mo | $23,685 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $890/mo | $21,209 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.077% | 6.851% | 0 pts ($0) | $640/mo | $22,513 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $653/mo | $22,865 |
FHA Streamline Refi | 0% | 640 credit score | 6.271% | 7.048% | 0 pts ($0) | $677/mo | $23,969 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.112% | 7.361% | 0 pts ($0) | $689/mo | $25,055 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $674/mo | $13,204 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.725% | 0 pts ($0) | $572/mo | $18,242 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $581/mo | $18,158 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $627/mo | $19,220 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.440% | 7.220% | 0 pts ($0) | $665/mo | $23,669 |
Second Home 10% Down | 10% | 720 credit score | 6.083% | 6.662% | 0 pts ($0) | $587/mo | $19,857 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $567/mo | $17,531 |
VA 0% Down | 0% | 700 credit score | 6.081% | 6.328% | 0 pts ($0) | $666/mo | $22,041 |
VA Cash-Out Refi | 0% | 640 credit score | 6.085% | 6.457% | 0 pts ($0) | $666/mo | $22,054 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.091% | 6.247% | 0 pts ($0) | $667/mo | $22,074 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $593/mo | $18,766 |
Frequently Asked Questions
What are today's mortgage rates in 26814, , WV across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 26814, , WV is 7.000% (with an estimated monthly payment of $1,523). Active program rates also include FHA 30-year fixed loans at 6.077% and VA 0%-down fixed loans at 6.081%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 26814, , 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 26814, , WV have fluctuated between a low of 6.899% and a high of 7.152%. 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 26814, , WV?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $107,800 in 26814, , WV, a standard 20%-down Conventional loan requires an upfront cash down payment of $21,560 but keeps your monthly payment lower at $1,523/mo (at 7.000% interest) with no monthly PMI. In comparison, an FHA loan requires only $3,773 (3.5% down) but has an estimated payment of $1,699/mo (at 6.077% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $104,027 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 26814 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 26814 is $806,501. With a typical local home value of $107,800 in , a standard 20%-down mortgage requires a loan size of $86,240. 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 26814, , WV impact estimated mortgage payments?
The median home value in 26814, , WV is estimated at $107,800. Buying a typical home here with a standard 20% down payment ($21,560) translates to an estimated starting monthly mortgage payment of $1,523 (principal and interest). Compared to the local area median household income of $69,412 ($5,784/mo), this basic housing payment represents approximately 26.3% 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.