Select your Scenario
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.
See Safe Rate's top scoring lenders for Scottville
We rank active Scottville lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.979%APR 7.018% | 0 pts$0 | $1,368/moP&I $1,368 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.067%APR 6.840% | 0 pts$0 | $1,362/moP&I $1,266 · MI $96 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.200%APR 6.257% | 0 pts$0 | $1,262/moP&I $1,262 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.989%APR 7.028% | 0 pts$0 | $1,369/moP&I $1,369 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.712% | 0 pts$0 | $1,458/moP&I $1,458 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 6.200% | 6.257% | 0 pts ($0) | $1,761/mo | $35,919 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.067% | 6.122% | 0 pts ($0) | $2,183/mo | $48,928 |
Condo 10% Down | 10% | 720 credit score | 7.307% | 7.481% | 0 pts ($0) | $1,590/mo | $55,988 |
Conventional 10% Down | 10% | 720 credit score | 6.800% | 6.962% | 0 pts ($0) | $1,511/mo | $52,445 |
Conventional 20% Down | 20% | 740 credit score | 6.979% | 7.018% | 0 pts ($0) | $1,368/mo | $42,475 |
Conventional 5% Down | 5% | 700 credit score | 7.122% | 7.608% | 0 pts ($0) | $1,648/mo | $57,733 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.426% | 7.468% | 0 pts ($0) | $1,788/mo | $61,588 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,524/mo | $51,641 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.839% | 7.218% | 0 pts ($0) | $1,635/mo | $59,066 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.989% | 7.028% | 0 pts ($0) | $1,712/mo | $58,194 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,125/mo | $50,673 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.067% | 6.840% | 0 pts ($0) | $1,527/mo | $53,712 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,560/mo | $54,628 |
FHA Streamline Refi | 0% | 640 credit score | 6.262% | 7.038% | 0 pts ($0) | $1,616/mo | $57,197 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.080% | 7.328% | 0 pts ($0) | $1,641/mo | $59,626 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,611/mo | $31,548 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.712% | 0 pts ($0) | $1,367/mo | $43,585 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,388/mo | $43,382 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,498/mo | $45,920 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.432% | 7.211% | 0 pts ($0) | $1,587/mo | $56,488 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $1,401/mo | $47,388 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,355/mo | $41,885 |
VA 0% Down | 0% | 700 credit score | 6.089% | 6.336% | 0 pts ($0) | $1,592/mo | $52,724 |
VA Cash-Out Refi | 0% | 640 credit score | 6.075% | 6.446% | 0 pts ($0) | $1,590/mo | $52,614 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.084% | 6.239% | 0 pts ($0) | $1,592/mo | $52,685 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,417/mo | $44,836 |
Frequently Asked Questions
What are today's mortgage rates in 28672, , NC across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 28672, , NC is 6.979% (with an estimated monthly payment of $1,646). Active program rates also include FHA 30-year fixed loans at 6.067% and VA 0%-down fixed loans at 6.089%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 28672, , 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 28672, , NC have fluctuated between a low of 6.867% and a high of 7.124%. 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 28672, , NC?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $257,556 in 28672, , NC, a standard 20%-down Conventional loan requires an upfront cash down payment of $51,511 but keeps your monthly payment lower at $1,646/mo (at 6.979% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,014 (3.5% down) but has an estimated payment of $1,838/mo (at 6.067% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $248,542 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 28672 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 28672 is $806,501. With a typical local home value of $257,556 in , a standard 20%-down mortgage requires a loan size of $206,045. 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 28672, , NC impact estimated mortgage payments?
The median home value in 28672, , NC is estimated at $257,556. Buying a typical home here with a standard 20% down payment ($51,511) translates to an estimated starting monthly mortgage payment of $1,646 (principal and interest). Compared to the local area median household income of $60,076 ($5,006/mo), this basic housing payment represents approximately 32.9% 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.