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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 | 6.882%APR 6.918% | 0 pts$0 | $2,594/moP&I $2,594 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.018%APR 6.787% | 0 pts$0 | $2,595/moP&I $2,411 · MI $184 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.965%APR 6.015% | 0 pts$0 | $2,357/moP&I $2,357 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.841%APR 6.877% | 0 pts$0 | $2,583/moP&I $2,583 · MI $0 | See details |
| Investment Property FixedConforming | 7.598%APR 7.639% | 0 pts$0 | $2,785/moP&I $2,785 · 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 | 5.965% | 6.015% | 0 pts ($0) | $3,322/mo | $66,089 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.943% | 5.994% | 0 pts ($0) | $4,146/mo | $91,914 |
Condo 10% Down | 10% | 720 credit score | 7.117% | 7.284% | 0 pts ($0) | $2,988/mo | $104,661 |
Conventional 10% Down | 10% | 720 credit score | 6.577% | 6.732% | 0 pts ($0) | $2,828/mo | $97,439 |
Conventional 20% Down | 20% | 740 credit score | 6.882% | 6.918% | 0 pts ($0) | $2,594/mo | $80,177 |
Conventional 5% Down | 5% | 700 credit score | 6.997% | 7.474% | 0 pts ($0) | $3,116/mo | $108,780 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.323% | 7.362% | 0 pts ($0) | $3,389/mo | $116,395 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,918/mo | $98,880 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.788% | 7.163% | 0 pts ($0) | $3,115/mo | $112,363 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.841% | 6.877% | 0 pts ($0) | $3,229/mo | $109,228 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,069/mo | $97,027 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.018% | 6.787% | 0 pts ($0) | $2,909/mo | $102,133 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,988/mo | $104,600 |
FHA Streamline Refi | 0% | 640 credit score | 6.188% | 6.960% | 0 pts ($0) | $3,069/mo | $108,401 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.970% | 7.213% | 0 pts ($0) | $3,108/mo | $112,616 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,085/mo | $60,407 |
Investment Property 25% Down | 25% | 740 credit score | 7.598% | 7.639% | 0 pts ($0) | $2,611/mo | $83,153 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,658/mo | $83,067 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,868/mo | $87,925 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.389% | 7.165% | 0 pts ($0) | $3,025/mo | $107,535 |
Second Home 10% Down | 10% | 720 credit score | 6.042% | 6.617% | 0 pts ($0) | $2,673/mo | $90,296 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,594/mo | $80,200 |
VA 0% Down | 0% | 700 credit score | 6.012% | 6.255% | 0 pts ($0) | $3,024/mo | $99,789 |
VA Cash-Out Refi | 0% | 640 credit score | 6.024% | 6.391% | 0 pts ($0) | $3,028/mo | $99,970 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.047% | 6.199% | 0 pts ($0) | $3,036/mo | $100,319 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,714/mo | $85,851 |
Frequently Asked Questions
What are today's mortgage rates in 30622, Athens-Clarke County Unified Government (Balance), GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 30622, Athens-Clarke County Unified Government (Balance), GA is 6.882% (with an estimated monthly payment of $2,449). Active program rates also include FHA 30-year fixed loans at 6.018% and VA 0%-down fixed loans at 6.012%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 30622, 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 30622, Athens-Clarke County Unified Government (Balance), GA have fluctuated between a low of 6.500% and a high of 6.960%. 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 30622, 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 $493,159 in 30622, Athens-Clarke County Unified Government (Balance), GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $98,632 but keeps your monthly payment lower at $2,449/mo (at 6.882% interest) with no monthly PMI. In comparison, an FHA loan requires only $17,261 (3.5% down) but has an estimated payment of $2,746/mo (at 6.018% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $475,898 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 30622 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 30622 is $806,501. With a typical local home value of $493,159 in Athens-Clarke County Unified Government (Balance), a standard 20%-down mortgage requires a loan size of $394,527. 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 30622, Athens-Clarke County Unified Government (Balance), GA impact estimated mortgage payments?
The median home value in 30622, Athens-Clarke County Unified Government (Balance), GA is estimated at $493,159. Buying a typical home here with a standard 20% down payment ($98,632) translates to an estimated starting monthly mortgage payment of $2,449 (principal and interest). Compared to the local area median household income of $109,297 ($9,108/mo), this basic housing payment represents approximately 26.9% 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.