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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 | 6.867%APR 6.902% | 0 pts$0 | $1,517/moP&I $1,517 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.000%APR 6.769% | 0 pts$0 | $1,517/moP&I $1,409 · MI $108 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.945%APR 5.994% | 0 pts$0 | $1,377/moP&I $1,377 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.836%APR 6.872% | 0 pts$0 | $1,512/moP&I $1,512 · MI $0 | See details |
| Investment Property FixedConforming | 7.579%APR 7.619% | 0 pts$0 | $1,628/moP&I $1,628 · 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 | 5.945% | 5.994% | 0 pts ($0) | $1,943/mo | $38,570 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.935% | 5.986% | 0 pts ($0) | $2,427/mo | $53,760 |
Condo 10% Down | 10% | 720 credit score | 7.098% | 7.265% | 0 pts ($0) | $1,746/mo | $61,143 |
Conventional 10% Down | 10% | 720 credit score | 6.563% | 6.718% | 0 pts ($0) | $1,654/mo | $56,953 |
Conventional 20% Down | 20% | 740 credit score | 6.867% | 6.902% | 0 pts ($0) | $1,517/mo | $46,849 |
Conventional 5% Down | 5% | 700 credit score | 6.988% | 7.465% | 0 pts ($0) | $1,823/mo | $63,630 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.312% | 7.350% | 0 pts ($0) | $1,982/mo | $68,068 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,709/mo | $57,907 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.775% | 7.149% | 0 pts ($0) | $1,822/mo | $65,693 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.836% | 6.872% | 0 pts ($0) | $1,890/mo | $63,923 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,383/mo | $56,821 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.000% | 6.769% | 0 pts ($0) | $1,700/mo | $59,658 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,750/mo | $61,257 |
FHA Streamline Refi | 0% | 640 credit score | 6.152% | 6.923% | 0 pts ($0) | $1,791/mo | $63,164 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.961% | 7.204% | 0 pts ($0) | $1,818/mo | $65,876 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,807/mo | $35,376 |
Investment Property 25% Down | 25% | 740 credit score | 7.579% | 7.619% | 0 pts ($0) | $1,526/mo | $48,572 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,557/mo | $48,646 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,679/mo | $51,491 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.374% | 7.149% | 0 pts ($0) | $1,769/mo | $62,847 |
Second Home 10% Down | 10% | 720 credit score | 6.022% | 6.596% | 0 pts ($0) | $1,562/mo | $52,723 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,519/mo | $46,967 |
VA 0% Down | 0% | 700 credit score | 5.999% | 6.242% | 0 pts ($0) | $1,769/mo | $58,323 |
VA Cash-Out Refi | 0% | 640 credit score | 6.006% | 6.373% | 0 pts ($0) | $1,770/mo | $58,386 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.028% | 6.179% | 0 pts ($0) | $1,774/mo | $58,581 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,589/mo | $50,276 |
Frequently Asked Questions
What are today's mortgage rates in 32009, , FL across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 32009, , FL is 6.867% (with an estimated monthly payment of $2,589). Active program rates also include FHA 30-year fixed loans at 6.000% and VA 0%-down fixed loans at 5.999%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 32009, , FL?
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 32009, , FL have fluctuated between a low of 6.489% and a high of 6.949%. 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 32009, , FL?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $288,806 in 32009, , FL, a standard 20%-down Conventional loan requires an upfront cash down payment of $57,761 but keeps your monthly payment lower at $2,589/mo (at 6.867% interest) with no monthly PMI. In comparison, an FHA loan requires only $10,108 (3.5% down) but has an estimated payment of $2,902/mo (at 6.000% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $278,698 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 32009 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 32009 is $806,501. With a typical local home value of $288,806 in , a standard 20%-down mortgage requires a loan size of $231,045. 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 32009, , FL impact estimated mortgage payments?
The median home value in 32009, , FL is estimated at $288,806. Buying a typical home here with a standard 20% down payment ($57,761) translates to an estimated starting monthly mortgage payment of $2,589 (principal and interest). Compared to the local area median household income of $73,780 ($6,148/mo), this basic housing payment represents approximately 42.1% 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.