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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 | 6.806%APR 6.839% | 0 pts$0 | $3,841/moP&I $3,841 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.937%APR 6.704% | 0 pts$0 | $3,842/moP&I $3,567 · MI $275 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.849%APR 5.895% | 0 pts$0 | $3,473/moP&I $3,473 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.519%APR 6.551% | 0 pts$0 | $3,729/moP&I $3,729 · MI $0 | See details |
| Investment Property FixedConforming | 7.483%APR 7.521% | 0 pts$0 | $4,110/moP&I $4,110 · 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 | 5.849% | 5.895% | 0 pts ($0) | $4,920/mo | $96,648 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.848% | 5.894% | 0 pts ($0) | $6,150/mo | $135,140 |
Condo 10% Down | 10% | 720 credit score | 6.993% | 7.155% | 0 pts ($0) | $4,403/mo | $153,708 |
Conventional 10% Down | 10% | 720 credit score | 6.493% | 6.644% | 0 pts ($0) | $4,183/mo | $143,732 |
Conventional 20% Down | 20% | 740 credit score | 6.806% | 6.839% | 0 pts ($0) | $3,841/mo | $118,298 |
Conventional 5% Down | 5% | 700 credit score | 6.935% | 7.407% | 0 pts ($0) | $4,621/mo | $161,025 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.247% | 7.283% | 0 pts ($0) | $5,019/mo | $172,007 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,355/mo | $147,558 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.614% | 6.981% | 0 pts ($0) | $4,566/mo | $163,937 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.519% | 6.551% | 0 pts ($0) | $4,661/mo | $155,863 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,073/mo | $144,792 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.937% | 6.704% | 0 pts ($0) | $4,303/mo | $150,652 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,459/mo | $156,094 |
FHA Streamline Refi | 0% | 640 credit score | 6.053% | 6.822% | 0 pts ($0) | $4,515/mo | $158,727 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.909% | 7.149% | 0 pts ($0) | $4,609/mo | $166,769 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,604/mo | $90,145 |
Investment Property 25% Down | 25% | 740 credit score | 7.483% | 7.521% | 0 pts ($0) | $3,853/mo | $122,173 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,967/mo | $123,959 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,279/mo | $131,210 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.294% | 7.066% | 0 pts ($0) | $4,470/mo | $158,407 |
Second Home 10% Down | 10% | 720 credit score | 7.474% | 7.645% | 0 pts ($0) | $4,619/mo | $163,317 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,871/mo | $119,682 |
VA 0% Down | 0% | 700 credit score | 5.923% | 6.162% | 0 pts ($0) | $4,470/mo | $146,903 |
VA Cash-Out Refi | 0% | 640 credit score | 5.928% | 6.291% | 0 pts ($0) | $4,472/mo | $147,016 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.939% | 6.087% | 0 pts ($0) | $4,478/mo | $147,264 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,050/mo | $128,114 |
Frequently Asked Questions
What are today's mortgage rates in 33498, , FL across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 33498, , FL is 6.806% (with an estimated monthly payment of $3,933). Active program rates also include FHA 30-year fixed loans at 5.937% and VA 0%-down fixed loans at 5.923%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 33498, , 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 33498, , FL have fluctuated between a low of 6.425% and a high of 6.885%. 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 33498, , FL?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $735,935 in 33498, , FL, a standard 20%-down Conventional loan requires an upfront cash down payment of $147,187 but keeps your monthly payment lower at $3,933/mo (at 6.806% interest) with no monthly PMI. In comparison, an FHA loan requires only $25,758 (3.5% down) but has an estimated payment of $4,042/mo (at 5.937% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $710,177 falls comfortably within the local HUD FHA loan limit of $846,325 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 33498 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 33498 is $806,501. With a typical local home value of $735,935 in , a standard 20%-down mortgage requires a loan size of $588,748. 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 33498, , FL impact estimated mortgage payments?
The median home value in 33498, , FL is estimated at $735,935. Buying a typical home here with a standard 20% down payment ($147,187) translates to an estimated starting monthly mortgage payment of $3,933 (principal and interest). Compared to the local area median household income of $150,846 ($12,571/mo), this basic housing payment represents approximately 31.3% 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.