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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 | 6.987%APR 7.026% | 0 pts$0 | $1,494/moP&I $1,494 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.071%APR 6.844% | 0 pts$0 | $1,487/moP&I $1,382 · MI $105 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.249%APR 6.306% | 0 pts$0 | $1,384/moP&I $1,384 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.134%APR 7.188% | 0 pts$0 | $1,516/moP&I $1,516 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.717% | 0 pts$0 | $1,591/moP&I $1,591 · 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 | 6.249% | 6.306% | 0 pts ($0) | $1,928/mo | $39,511 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.261% | 6.325% | 0 pts ($0) | $2,411/mo | $54,967 |
Condo 10% Down | 10% | 720 credit score | 7.317% | 7.492% | 0 pts ($0) | $1,737/mo | $61,166 |
Conventional 10% Down | 10% | 720 credit score | 6.807% | 6.969% | 0 pts ($0) | $1,650/mo | $57,277 |
Conventional 20% Down | 20% | 740 credit score | 6.987% | 7.026% | 0 pts ($0) | $1,494/mo | $46,400 |
Conventional 5% Down | 5% | 700 credit score | 7.134% | 7.620% | 0 pts ($0) | $1,800/mo | $63,091 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.437% | 7.479% | 0 pts ($0) | $1,953/mo | $67,294 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,663/mo | $56,347 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.842% | 7.222% | 0 pts ($0) | $1,785/mo | $64,473 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.134% | 7.188% | 0 pts ($0) | $1,895/mo | $64,725 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,319/mo | $55,290 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.071% | 6.844% | 0 pts ($0) | $1,667/mo | $58,639 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,703/mo | $59,606 |
FHA Streamline Refi | 0% | 640 credit score | 6.265% | 7.042% | 0 pts ($0) | $1,763/mo | $62,434 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.092% | 7.341% | 0 pts ($0) | $1,793/mo | $65,156 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,758/mo | $34,423 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.717% | 0 pts ($0) | $1,492/mo | $47,556 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,515/mo | $47,335 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,634/mo | $50,104 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.435% | 7.214% | 0 pts ($0) | $1,732/mo | $61,660 |
Second Home 10% Down | 10% | 720 credit score | 6.076% | 6.654% | 0 pts ($0) | $1,529/mo | $51,713 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,478/mo | $45,702 |
VA 0% Down | 0% | 700 credit score | 6.092% | 6.339% | 0 pts ($0) | $1,738/mo | $57,554 |
VA Cash-Out Refi | 0% | 640 credit score | 6.079% | 6.451% | 0 pts ($0) | $1,736/mo | $57,442 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.085% | 6.240% | 0 pts ($0) | $1,737/mo | $57,494 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,546/mo | $48,922 |
Frequently Asked Questions
What are today's mortgage rates in 27010, Winston-Salem, NC across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 27010, Winston-Salem, NC is 6.987% (with an estimated monthly payment of $1,599). Active program rates also include FHA 30-year fixed loans at 6.071% and VA 0%-down fixed loans at 6.092%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 27010, Winston-Salem, NC?
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 27010, Winston-Salem, NC have fluctuated between a low of 6.882% and a high of 7.131%. 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 27010, Winston-Salem, NC?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $281,025 in 27010, Winston-Salem, NC, a standard 20%-down Conventional loan requires an upfront cash down payment of $56,205 but keeps your monthly payment lower at $1,599/mo (at 6.987% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,836 (3.5% down) but has an estimated payment of $1,785/mo (at 6.071% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $271,189 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 27010 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 27010 is $806,501. With a typical local home value of $281,025 in Winston-Salem, a standard 20%-down mortgage requires a loan size of $224,820. 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 27010, Winston-Salem, NC impact estimated mortgage payments?
The median home value in 27010, Winston-Salem, NC is estimated at $281,025. Buying a typical home here with a standard 20% down payment ($56,205) translates to an estimated starting monthly mortgage payment of $1,599 (principal and interest). Compared to the local area median household income of $56,685 ($4,724/mo), this basic housing payment represents approximately 33.9% 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.