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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 | 6.968%APR 7.010% | 0 pts$0 | $668/moP&I $668 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.090%APR 6.866% | 0 pts$0 | $667/moP&I $620 · MI $47 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.142%APR 6.202% | 0 pts$0 | $613/moP&I $613 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.822%APR 6.864% | 0 pts$0 | $658/moP&I $658 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.712% | 0 pts$0 | $713/moP&I $713 · 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 | 6.142% | 6.202% | 0 pts ($0) | $858/mo | $17,387 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.109% | 6.172% | 0 pts ($0) | $1,070/mo | $24,068 |
Condo 10% Down | 10% | 720 credit score | 7.297% | 7.474% | 0 pts ($0) | $777/mo | $27,332 |
Conventional 10% Down | 10% | 720 credit score | 6.881% | 7.047% | 0 pts ($0) | $745/mo | $25,911 |
Conventional 20% Down | 20% | 740 credit score | 6.968% | 7.010% | 0 pts ($0) | $668/mo | $20,728 |
Conventional 5% Down | 5% | 700 credit score | 7.275% | 7.768% | 0 pts ($0) | $818/mo | $28,771 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.414% | 7.459% | 0 pts ($0) | $873/mo | $30,058 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $745/mo | $25,241 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.864% | 7.246% | 0 pts ($0) | $801/mo | $28,962 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.822% | 6.864% | 0 pts ($0) | $823/mo | $27,810 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,039/mo | $24,768 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.090% | 6.866% | 0 pts ($0) | $748/mo | $26,339 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $763/mo | $26,701 |
FHA Streamline Refi | 0% | 640 credit score | 6.285% | 7.064% | 0 pts ($0) | $792/mo | $28,045 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.247% | 7.502% | 0 pts ($0) | $816/mo | $29,746 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $788/mo | $15,420 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.712% | 0 pts ($0) | $668/mo | $21,303 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $679/mo | $21,204 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $732/mo | $22,445 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.452% | 7.234% | 0 pts ($0) | $777/mo | $27,685 |
Second Home 10% Down | 10% | 720 credit score | 6.095% | 6.676% | 0 pts ($0) | $686/mo | $23,230 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $662/mo | $20,473 |
VA 0% Down | 0% | 700 credit score | 6.111% | 6.361% | 0 pts ($0) | $780/mo | $25,856 |
VA Cash-Out Refi | 0% | 640 credit score | 6.116% | 6.491% | 0 pts ($0) | $781/mo | $25,875 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.124% | 6.282% | 0 pts ($0) | $781/mo | $25,906 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $693/mo | $21,915 |
Frequently Asked Questions
What are today's mortgage rates in 29468, , SC across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 29468, , SC is 6.968% (with an estimated monthly payment of $1,259). Active program rates also include FHA 30-year fixed loans at 6.090% and VA 0%-down fixed loans at 6.111%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 29468, , SC?
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 29468, , SC have fluctuated between a low of 6.854% and a high of 7.096%. 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 29468, , SC?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $125,888 in 29468, , SC, a standard 20%-down Conventional loan requires an upfront cash down payment of $25,178 but keeps your monthly payment lower at $1,259/mo (at 6.968% interest) with no monthly PMI. In comparison, an FHA loan requires only $4,406 (3.5% down) but has an estimated payment of $1,411/mo (at 6.090% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $121,482 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 29468 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 29468 is $806,501. With a typical local home value of $125,888 in , a standard 20%-down mortgage requires a loan size of $100,710. 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 29468, , SC impact estimated mortgage payments?
The median home value in 29468, , SC is estimated at $125,888. Buying a typical home here with a standard 20% down payment ($25,178) translates to an estimated starting monthly mortgage payment of $1,259 (principal and interest). Compared to the local area median household income of $31,726 ($2,644/mo), this basic housing payment represents approximately 47.6% 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.