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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 | 6.956%APR 6.994% | 0 pts$0 | $1,839/moP&I $1,839 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.956%APR 6.726% | 0 pts$0 | $1,815/moP&I $1,686 · MI $129 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.108%APR 6.163% | 0 pts$0 | $1,684/moP&I $1,684 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.908%APR 6.947% | 0 pts$0 | $1,830/moP&I $1,830 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.699% | 0 pts$0 | $1,965/moP&I $1,965 · 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 | 6.108% | 6.163% | 0 pts ($0) | $2,359/mo | $47,658 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.062% | 6.117% | 0 pts ($0) | $2,940/mo | $65,877 |
Condo 10% Down | 10% | 720 credit score | 7.280% | 7.453% | 0 pts ($0) | $2,137/mo | $75,187 |
Conventional 10% Down | 10% | 720 credit score | 6.780% | 6.941% | 0 pts ($0) | $2,032/mo | $70,479 |
Conventional 20% Down | 20% | 740 credit score | 6.956% | 6.994% | 0 pts ($0) | $1,839/mo | $57,040 |
Conventional 5% Down | 5% | 700 credit score | 7.092% | 7.575% | 0 pts ($0) | $2,214/mo | $77,494 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.400% | 7.441% | 0 pts ($0) | $2,403/mo | $82,715 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,054/mo | $69,583 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.833% | 7.212% | 0 pts ($0) | $2,202/mo | $79,528 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.908% | 6.947% | 0 pts ($0) | $2,287/mo | $77,566 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,864/mo | $68,279 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.956% | 6.726% | 0 pts ($0) | $2,033/mo | $71,237 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,103/mo | $73,609 |
FHA Streamline Refi | 0% | 640 credit score | 6.078% | 6.851% | 0 pts ($0) | $2,135/mo | $75,115 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.049% | 7.296% | 0 pts ($0) | $2,204/mo | $80,034 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,171/mo | $42,509 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.699% | 0 pts ($0) | $1,842/mo | $58,728 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,870/mo | $58,455 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,018/mo | $61,874 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.319% | 7.096% | 0 pts ($0) | $2,113/mo | $74,956 |
Second Home 10% Down | 10% | 720 credit score | 5.962% | 6.536% | 0 pts ($0) | $1,865/mo | $62,791 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,826/mo | $56,438 |
VA 0% Down | 0% | 700 credit score | 6.080% | 6.326% | 0 pts ($0) | $2,144/mo | $70,947 |
VA Cash-Out Refi | 0% | 640 credit score | 6.084% | 6.455% | 0 pts ($0) | $2,145/mo | $70,990 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.091% | 6.245% | 0 pts ($0) | $2,146/mo | $71,064 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,910/mo | $60,414 |
Frequently Asked Questions
What are today's mortgage rates in 33848, , FL across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 33848, , FL is 6.956% (with an estimated monthly payment of $1,780). Active program rates also include FHA 30-year fixed loans at 5.956% and VA 0%-down fixed loans at 6.080%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 33848, , 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 33848, , FL have fluctuated between a low of 6.617% and a high of 7.074%. 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 33848, , FL?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $347,042 in 33848, , FL, a standard 20%-down Conventional loan requires an upfront cash down payment of $69,408 but keeps your monthly payment lower at $1,780/mo (at 6.956% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,146 (3.5% down) but has an estimated payment of $1,968/mo (at 5.956% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $334,896 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 33848 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 33848 is $806,501. With a typical local home value of $347,042 in , a standard 20%-down mortgage requires a loan size of $277,634. 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 33848, , FL impact estimated mortgage payments?
The median home value in 33848, , FL is estimated at $347,042. Buying a typical home here with a standard 20% down payment ($69,408) translates to an estimated starting monthly mortgage payment of $1,780 (principal and interest). Compared to the local area median household income of $97,797 ($8,150/mo), this basic housing payment represents approximately 21.8% 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.