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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 | 6.895%APR 6.931% | 0 pts$0 | $2,873/moP&I $2,873 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.040%APR 6.810% | 0 pts$0 | $2,877/moP&I $2,674 · MI $204 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.989%APR 6.040% | 0 pts$0 | $2,613/moP&I $2,613 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.857%APR 6.894% | 0 pts$0 | $2,861/moP&I $2,861 · MI $0 | See details |
| Investment Property FixedConforming | 7.620%APR 7.661% | 0 pts$0 | $3,087/moP&I $3,087 · 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 | 5.989% | 6.040% | 0 pts ($0) | $3,680/mo | $73,403 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.974% | 6.026% | 0 pts ($0) | $4,595/mo | $102,154 |
Condo 10% Down | 10% | 720 credit score | 7.145% | 7.313% | 0 pts ($0) | $3,314/mo | $116,178 |
Conventional 10% Down | 10% | 720 credit score | 6.593% | 6.748% | 0 pts ($0) | $3,133/mo | $108,012 |
Conventional 20% Down | 20% | 740 credit score | 6.895% | 6.931% | 0 pts ($0) | $2,873/mo | $88,853 |
Conventional 5% Down | 5% | 700 credit score | 7.007% | 7.485% | 0 pts ($0) | $3,450/mo | $120,476 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.337% | 7.376% | 0 pts ($0) | $3,753/mo | $128,972 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,228/mo | $109,370 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.804% | 7.179% | 0 pts ($0) | $3,451/mo | $124,537 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.857% | 6.894% | 0 pts ($0) | $3,577/mo | $121,078 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,501/mo | $107,319 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.040% | 6.810% | 0 pts ($0) | $3,225/mo | $113,321 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,305/mo | $115,696 |
FHA Streamline Refi | 0% | 640 credit score | 6.231% | 7.004% | 0 pts ($0) | $3,410/mo | $120,618 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.981% | 7.225% | 0 pts ($0) | $3,441/mo | $124,734 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,413/mo | $66,815 |
Investment Property 25% Down | 25% | 740 credit score | 7.620% | 7.661% | 0 pts ($0) | $2,894/mo | $92,246 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,940/mo | $91,878 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,172/mo | $97,253 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.408% | 7.184% | 0 pts ($0) | $3,353/mo | $119,248 |
Second Home 10% Down | 10% | 720 credit score | 5.943% | 6.515% | 0 pts ($0) | $2,925/mo | $98,414 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,869/mo | $88,708 |
VA 0% Down | 0% | 700 credit score | 6.033% | 6.277% | 0 pts ($0) | $3,353/mo | $110,726 |
VA Cash-Out Refi | 0% | 640 credit score | 6.046% | 6.414% | 0 pts ($0) | $3,357/mo | $110,944 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.066% | 6.218% | 0 pts ($0) | $3,364/mo | $111,278 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,002/mo | $94,958 |
Frequently Asked Questions
What are today's mortgage rates in 30604, Athens-Clarke County Unified Government (Balance), GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 30604, Athens-Clarke County Unified Government (Balance), GA is 6.895% (with an estimated monthly payment of $2,299). Active program rates also include FHA 30-year fixed loans at 6.040% and VA 0%-down fixed loans at 6.033%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 30604, Athens-Clarke County Unified Government (Balance), 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 30604, Athens-Clarke County Unified Government (Balance), GA have fluctuated between a low of 6.514% and a high of 6.973%. 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 30604, Athens-Clarke County Unified Government (Balance), GA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $545,473 in 30604, Athens-Clarke County Unified Government (Balance), GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $109,095 but keeps your monthly payment lower at $2,299/mo (at 6.895% interest) with no monthly PMI. In comparison, an FHA loan requires only $19,092 (3.5% down) but has an estimated payment of $2,581/mo (at 6.040% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $526,381 exceeds the local HUD FHA limit of $524,225 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 30604 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 30604 is $806,501. With a typical local home value of $545,473 in Athens-Clarke County Unified Government (Balance), a standard 20%-down mortgage requires a loan size of $436,378. 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 30604, Athens-Clarke County Unified Government (Balance), GA impact estimated mortgage payments?
The median home value in 30604, Athens-Clarke County Unified Government (Balance), GA is estimated at $545,473. Buying a typical home here with a standard 20% down payment ($109,095) translates to an estimated starting monthly mortgage payment of $2,299 (principal and interest). Compared to the local area median household income of $75,616 ($6,301/mo), this basic housing payment represents approximately 36.5% 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.