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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 | 6.943%APR 6.981% | 0 pts$0 | $1,027/moP&I $1,027 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.952%APR 6.722% | 0 pts$0 | $1,014/moP&I $942 · MI $72 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.082%APR 6.136% | 0 pts$0 | $939/moP&I $939 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.809%APR 6.847% | 0 pts$0 | $1,013/moP&I $1,013 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.692% | 0 pts$0 | $1,099/moP&I $1,099 · 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 | 6.082% | 6.136% | 0 pts ($0) | $1,317/mo | $26,527 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.082% | 6.138% | 0 pts ($0) | $1,646/mo | $36,943 |
Condo 10% Down | 10% | 720 credit score | 7.265% | 7.438% | 0 pts ($0) | $1,193/mo | $41,956 |
Conventional 10% Down | 10% | 720 credit score | 6.769% | 6.929% | 0 pts ($0) | $1,135/mo | $39,345 |
Conventional 20% Down | 20% | 740 credit score | 6.943% | 6.981% | 0 pts ($0) | $1,027/mo | $31,829 |
Conventional 5% Down | 5% | 700 credit score | 7.075% | 7.557% | 0 pts ($0) | $1,236/mo | $43,231 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.385% | 7.426% | 0 pts ($0) | $1,341/mo | $46,156 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,148/mo | $38,902 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.829% | 7.207% | 0 pts ($0) | $1,231/mo | $44,439 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.809% | 6.847% | 0 pts ($0) | $1,266/mo | $42,786 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,601/mo | $38,173 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.952% | 6.722% | 0 pts ($0) | $1,136/mo | $39,804 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,176/mo | $41,153 |
FHA Streamline Refi | 0% | 640 credit score | 6.073% | 6.845% | 0 pts ($0) | $1,193/mo | $41,965 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.032% | 7.278% | 0 pts ($0) | $1,230/mo | $44,650 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,214/mo | $23,766 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.692% | 0 pts ($0) | $1,030/mo | $32,833 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,046/mo | $32,681 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,128/mo | $34,592 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.314% | 7.090% | 0 pts ($0) | $1,181/mo | $41,877 |
Second Home 10% Down | 10% | 720 credit score | 5.958% | 6.532% | 0 pts ($0) | $1,042/mo | $35,084 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,021/mo | $31,553 |
VA 0% Down | 0% | 700 credit score | 6.075% | 6.321% | 0 pts ($0) | $1,198/mo | $39,635 |
VA Cash-Out Refi | 0% | 640 credit score | 6.079% | 6.450% | 0 pts ($0) | $1,198/mo | $39,659 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.086% | 6.240% | 0 pts ($0) | $1,199/mo | $39,700 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,068/mo | $33,776 |
Frequently Asked Questions
What are today's mortgage rates in 28683, , NC across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 28683, , NC is 6.943% (with an estimated monthly payment of $1,867). Active program rates also include FHA 30-year fixed loans at 5.952% and VA 0%-down fixed loans at 6.075%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 28683, , 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 28683, , NC have fluctuated between a low of 6.596% and a high of 7.046%. 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 28683, , NC?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $194,022 in 28683, , NC, a standard 20%-down Conventional loan requires an upfront cash down payment of $38,804 but keeps your monthly payment lower at $1,867/mo (at 6.943% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,791 (3.5% down) but has an estimated payment of $2,067/mo (at 5.952% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $187,231 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 28683 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 28683 is $806,501. With a typical local home value of $194,022 in , a standard 20%-down mortgage requires a loan size of $155,218. 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 28683, , NC impact estimated mortgage payments?
The median home value in 28683, , NC is estimated at $194,022. Buying a typical home here with a standard 20% down payment ($38,804) translates to an estimated starting monthly mortgage payment of $1,867 (principal and interest). Compared to the local area median household income of $44,769 ($3,731/mo), this basic housing payment represents approximately 50.1% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.