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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 | 6.998%APR 7.038% | 0 pts$0 | $2,286/moP&I $2,286 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.076%APR 6.850% | 0 pts$0 | $2,274/moP&I $2,114 · MI $160 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.262%APR 6.320% | 0 pts$0 | $2,119/moP&I $2,119 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.956%APR 6.997% | 0 pts$0 | $2,276/moP&I $2,276 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.725% | 0 pts$0 | $2,432/moP&I $2,432 · 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 | 6.262% | 6.320% | 0 pts ($0) | $2,949/mo | $60,526 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.220% | 6.279% | 0 pts ($0) | $3,676/mo | $83,511 |
Condo 10% Down | 10% | 720 credit score | 7.334% | 7.510% | 0 pts ($0) | $2,659/mo | $93,696 |
Conventional 10% Down | 10% | 720 credit score | 6.820% | 6.983% | 0 pts ($0) | $2,526/mo | $87,705 |
Conventional 20% Down | 20% | 740 credit score | 6.998% | 7.038% | 0 pts ($0) | $2,286/mo | $71,040 |
Conventional 5% Down | 5% | 700 credit score | 7.169% | 7.657% | 0 pts ($0) | $2,762/mo | $96,871 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.453% | 7.496% | 0 pts ($0) | $2,990/mo | $103,072 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,542/mo | $86,131 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.846% | 7.226% | 0 pts ($0) | $2,729/mo | $98,603 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.956% | 6.997% | 0 pts ($0) | $2,845/mo | $96,633 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,545/mo | $84,516 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.076% | 6.850% | 0 pts ($0) | $2,549/mo | $89,699 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,603/mo | $91,113 |
FHA Streamline Refi | 0% | 640 credit score | 6.271% | 7.048% | 0 pts ($0) | $2,697/mo | $95,515 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.111% | 7.360% | 0 pts ($0) | $2,746/mo | $99,830 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,687/mo | $52,618 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.725% | 0 pts ($0) | $2,280/mo | $72,694 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,315/mo | $72,356 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,498/mo | $76,588 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.440% | 7.220% | 0 pts ($0) | $2,649/mo | $94,317 |
Second Home 10% Down | 10% | 720 credit score | 6.082% | 6.661% | 0 pts ($0) | $2,338/mo | $79,118 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,260/mo | $69,859 |
VA 0% Down | 0% | 700 credit score | 6.080% | 6.327% | 0 pts ($0) | $2,653/mo | $87,819 |
VA Cash-Out Refi | 0% | 640 credit score | 6.085% | 6.457% | 0 pts ($0) | $2,655/mo | $87,885 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.090% | 6.245% | 0 pts ($0) | $2,656/mo | $87,951 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,364/mo | $74,781 |
Frequently Asked Questions
What are today's mortgage rates in 30036, , GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 30036, , GA is 6.998% (with an estimated monthly payment of $1,529). Active program rates also include FHA 30-year fixed loans at 6.076% and VA 0%-down fixed loans at 6.080%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 30036, , GA?
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 30036, , GA have fluctuated between a low of 6.897% and a high of 7.150%. 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 30036, , GA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $429,571 in 30036, , GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $85,914 but keeps your monthly payment lower at $1,529/mo (at 6.998% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,035 (3.5% down) but has an estimated payment of $1,705/mo (at 6.076% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $414,536 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 30036 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 30036 is $806,501. With a typical local home value of $429,571 in , a standard 20%-down mortgage requires a loan size of $343,657. 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 30036, , GA impact estimated mortgage payments?
The median home value in 30036, , GA is estimated at $429,571. Buying a typical home here with a standard 20% down payment ($85,914) translates to an estimated starting monthly mortgage payment of $1,529 (principal and interest). Compared to the local area median household income of $83,098 ($6,925/mo), this basic housing payment represents approximately 22.1% 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.