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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 | 6.852%APR 6.887% | 0 pts$0 | $1,738/moP&I $1,738 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.984%APR 6.752% | 0 pts$0 | $1,738/moP&I $1,615 · MI $124 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.916%APR 5.964% | 0 pts$0 | $1,575/moP&I $1,575 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.610%APR 6.644% | 0 pts$0 | $1,695/moP&I $1,695 · MI $0 | See details |
| Investment Property FixedConforming | 7.553%APR 7.593% | 0 pts$0 | $1,864/moP&I $1,864 · 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 | 5.916% | 5.964% | 0 pts ($0) | $2,225/mo | $44,039 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.945% | 5.996% | 0 pts ($0) | $2,787/mo | $61,789 |
Condo 10% Down | 10% | 720 credit score | 7.070% | 7.236% | 0 pts ($0) | $1,999/mo | $69,913 |
Conventional 10% Down | 10% | 720 credit score | 6.544% | 6.697% | 0 pts ($0) | $1,894/mo | $65,186 |
Conventional 20% Down | 20% | 740 credit score | 6.852% | 6.887% | 0 pts ($0) | $1,738/mo | $53,642 |
Conventional 5% Down | 5% | 700 credit score | 6.975% | 7.451% | 0 pts ($0) | $2,089/mo | $72,896 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.295% | 7.332% | 0 pts ($0) | $2,271/mo | $77,942 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,961/mo | $66,451 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.756% | 7.130% | 0 pts ($0) | $2,086/mo | $75,202 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.610% | 6.644% | 0 pts ($0) | $2,119/mo | $71,099 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,735/mo | $65,206 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.984% | 6.752% | 0 pts ($0) | $1,948/mo | $68,305 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,008/mo | $70,296 |
FHA Streamline Refi | 0% | 640 credit score | 6.115% | 6.886% | 0 pts ($0) | $2,047/mo | $72,110 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.949% | 7.191% | 0 pts ($0) | $2,084/mo | $75,483 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,073/mo | $40,596 |
Investment Property 25% Down | 25% | 740 credit score | 7.553% | 7.593% | 0 pts ($0) | $1,747/mo | $55,544 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,786/mo | $55,824 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,927/mo | $59,089 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.355% | 7.130% | 0 pts ($0) | $2,026/mo | $71,935 |
Second Home 10% Down | 10% | 720 credit score | 5.999% | 6.572% | 0 pts ($0) | $1,788/mo | $60,297 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,743/mo | $53,898 |
VA 0% Down | 0% | 700 credit score | 5.981% | 6.223% | 0 pts ($0) | $2,026/mo | $66,746 |
VA Cash-Out Refi | 0% | 640 credit score | 5.988% | 6.354% | 0 pts ($0) | $2,027/mo | $66,818 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.000% | 6.150% | 0 pts ($0) | $2,030/mo | $66,940 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,824/mo | $57,695 |
Frequently Asked Questions
What are today's mortgage rates in 28684, , NC across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 28684, , NC is 6.852% (with an estimated monthly payment of $2,824). Active program rates also include FHA 30-year fixed loans at 5.984% and VA 0%-down fixed loans at 5.981%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 28684, , 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 28684, , NC have fluctuated between a low of 6.473% and a high of 6.934%. 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 28684, , NC?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $331,422 in 28684, , NC, a standard 20%-down Conventional loan requires an upfront cash down payment of $66,284 but keeps your monthly payment lower at $2,824/mo (at 6.852% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,600 (3.5% down) but has an estimated payment of $3,165/mo (at 5.984% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $319,822 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 28684 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 28684 is $806,501. With a typical local home value of $331,422 in , a standard 20%-down mortgage requires a loan size of $265,138. 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 28684, , NC impact estimated mortgage payments?
The median home value in 28684, , NC is estimated at $331,422. Buying a typical home here with a standard 20% down payment ($66,284) translates to an estimated starting monthly mortgage payment of $2,824 (principal and interest). Compared to the local area median household income of $69,089 ($5,757/mo), this basic housing payment represents approximately 49.0% 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.