Select your Scenario
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.
See Safe Rate's top scoring lenders for Orange Park
We rank active Orange Park lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.952%APR 6.990% | 0 pts$0 | $1,731/moP&I $1,731 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.955%APR 6.725% | 0 pts$0 | $1,709/moP&I $1,587 · MI $122 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.099%APR 6.154% | 0 pts$0 | $1,584/moP&I $1,584 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.904%APR 6.942% | 0 pts$0 | $1,723/moP&I $1,723 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.697% | 0 pts$0 | $1,851/moP&I $1,851 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 6.099% | 6.154% | 0 pts ($0) | $2,221/mo | $44,818 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.055% | 6.110% | 0 pts ($0) | $2,768/mo | $61,979 |
Condo 10% Down | 10% | 720 credit score | 7.275% | 7.448% | 0 pts ($0) | $2,012/mo | $70,769 |
Conventional 10% Down | 10% | 720 credit score | 6.776% | 6.937% | 0 pts ($0) | $1,913/mo | $66,344 |
Conventional 20% Down | 20% | 740 credit score | 6.952% | 6.990% | 0 pts ($0) | $1,731/mo | $53,691 |
Conventional 5% Down | 5% | 700 credit score | 7.086% | 7.569% | 0 pts ($0) | $2,084/mo | $72,931 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.395% | 7.436% | 0 pts ($0) | $2,262/mo | $77,854 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,934/mo | $65,536 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.832% | 7.211% | 0 pts ($0) | $2,074/mo | $74,892 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.904% | 6.942% | 0 pts ($0) | $2,154/mo | $73,015 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,697/mo | $64,308 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.955% | 6.725% | 0 pts ($0) | $1,915/mo | $67,084 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,980/mo | $69,327 |
FHA Streamline Refi | 0% | 640 credit score | 6.077% | 6.849% | 0 pts ($0) | $2,010/mo | $70,736 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.043% | 7.290% | 0 pts ($0) | $2,075/mo | $75,323 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,045/mo | $40,037 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.697% | 0 pts ($0) | $1,735/mo | $55,312 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,762/mo | $55,055 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,901/mo | $58,275 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.317% | 7.093% | 0 pts ($0) | $1,990/mo | $70,577 |
Second Home 10% Down | 10% | 720 credit score | 5.960% | 6.534% | 0 pts ($0) | $1,756/mo | $59,122 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,719/mo | $53,155 |
VA 0% Down | 0% | 700 credit score | 6.079% | 6.325% | 0 pts ($0) | $2,019/mo | $66,810 |
VA Cash-Out Refi | 0% | 640 credit score | 6.082% | 6.453% | 0 pts ($0) | $2,019/mo | $66,841 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.090% | 6.244% | 0 pts ($0) | $2,021/mo | $66,921 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,799/mo | $56,900 |
Frequently Asked Questions
What are today's mortgage rates in 32073, Bellair-Meadowbrook Terrace, FL across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 32073, Bellair-Meadowbrook Terrace, FL is 6.952% (with an estimated monthly payment of $1,809). Active program rates also include FHA 30-year fixed loans at 5.955% and VA 0%-down fixed loans at 6.079%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 32073, Bellair-Meadowbrook Terrace, 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 32073, Bellair-Meadowbrook Terrace, FL have fluctuated between a low of 6.610% and a high of 7.065%. 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 32073, Bellair-Meadowbrook Terrace, FL?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $326,857 in 32073, Bellair-Meadowbrook Terrace, FL, a standard 20%-down Conventional loan requires an upfront cash down payment of $65,371 but keeps your monthly payment lower at $1,809/mo (at 6.952% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,440 (3.5% down) but has an estimated payment of $2,001/mo (at 5.955% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $315,417 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 32073 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 32073 is $806,501. With a typical local home value of $326,857 in Bellair-Meadowbrook Terrace, a standard 20%-down mortgage requires a loan size of $261,486. 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 32073, Bellair-Meadowbrook Terrace, FL impact estimated mortgage payments?
The median home value in 32073, Bellair-Meadowbrook Terrace, FL is estimated at $326,857. Buying a typical home here with a standard 20% down payment ($65,371) translates to an estimated starting monthly mortgage payment of $1,809 (principal and interest). Compared to the local area median household income of $84,466 ($7,039/mo), this basic housing payment represents approximately 25.7% 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.