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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 | 6.880%APR 6.915% | 0 pts$0 | $1,889/moP&I $1,889 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.016%APR 6.785% | 0 pts$0 | $1,890/moP&I $1,756 · MI $134 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.961%APR 6.011% | 0 pts$0 | $1,716/moP&I $1,716 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.617%APR 6.652% | 0 pts$0 | $1,839/moP&I $1,839 · MI $0 | See details |
| Investment Property FixedConforming | 7.595%APR 7.636% | 0 pts$0 | $2,028/moP&I $2,028 · 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 | 5.961% | 6.011% | 0 pts ($0) | $2,419/mo | $48,114 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.953% | 6.004% | 0 pts ($0) | $3,023/mo | $67,065 |
Condo 10% Down | 10% | 720 credit score | 7.114% | 7.281% | 0 pts ($0) | $2,176/mo | $76,217 |
Conventional 10% Down | 10% | 720 credit score | 6.575% | 6.730% | 0 pts ($0) | $2,060/mo | $70,966 |
Conventional 20% Down | 20% | 740 credit score | 6.880% | 6.915% | 0 pts ($0) | $1,889/mo | $58,392 |
Conventional 5% Down | 5% | 700 credit score | 6.995% | 7.472% | 0 pts ($0) | $2,270/mo | $79,227 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.321% | 7.359% | 0 pts ($0) | $2,468/mo | $84,773 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,126/mo | $72,036 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.786% | 7.161% | 0 pts ($0) | $2,269/mo | $81,837 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.617% | 6.652% | 0 pts ($0) | $2,299/mo | $77,150 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,965/mo | $70,685 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.016% | 6.785% | 0 pts ($0) | $2,119/mo | $74,384 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,177/mo | $76,203 |
FHA Streamline Refi | 0% | 640 credit score | 6.183% | 6.955% | 0 pts ($0) | $2,235/mo | $78,916 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.969% | 7.213% | 0 pts ($0) | $2,264/mo | $82,031 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,248/mo | $44,007 |
Investment Property 25% Down | 25% | 740 credit score | 7.595% | 7.636% | 0 pts ($0) | $1,902/mo | $60,554 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,936/mo | $60,515 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,089/mo | $64,055 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.387% | 7.163% | 0 pts ($0) | $2,204/mo | $78,319 |
Second Home 10% Down | 10% | 720 credit score | 6.039% | 6.613% | 0 pts ($0) | $1,947/mo | $65,752 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,890/mo | $58,427 |
VA 0% Down | 0% | 700 credit score | 6.010% | 6.253% | 0 pts ($0) | $2,203/mo | $72,675 |
VA Cash-Out Refi | 0% | 640 credit score | 6.021% | 6.388% | 0 pts ($0) | $2,205/mo | $72,796 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.045% | 6.197% | 0 pts ($0) | $2,211/mo | $73,061 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,977/mo | $62,543 |
Frequently Asked Questions
What are today's mortgage rates in 31025, , GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 31025, , GA is 6.880% (with an estimated monthly payment of $2,468). Active program rates also include FHA 30-year fixed loans at 6.016% and VA 0%-down fixed loans at 6.010%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 31025, , 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 31025, , GA have fluctuated between a low of 6.498% and a high of 6.959%. 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 31025, , GA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $359,272 in 31025, , GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $71,854 but keeps your monthly payment lower at $2,468/mo (at 6.880% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,575 (3.5% down) but has an estimated payment of $2,768/mo (at 6.016% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $346,697 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 31025 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 31025 is $806,501. With a typical local home value of $359,272 in , a standard 20%-down mortgage requires a loan size of $287,418. 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 31025, , GA impact estimated mortgage payments?
The median home value in 31025, , GA is estimated at $359,272. Buying a typical home here with a standard 20% down payment ($71,854) translates to an estimated starting monthly mortgage payment of $2,468 (principal and interest). Compared to the local area median household income of $124,219 ($10,352/mo), this basic housing payment represents approximately 23.8% 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.