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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 | 6.871%APR 6.906% | 0 pts$0 | $3,022/moP&I $3,022 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.007%APR 6.776% | 0 pts$0 | $3,025/moP&I $2,810 · MI $215 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.952%APR 6.002% | 0 pts$0 | $2,745/moP&I $2,745 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.611%APR 6.645% | 0 pts$0 | $2,943/moP&I $2,943 · MI $0 | See details |
| Investment Property FixedConforming | 7.586%APR 7.626% | 0 pts$0 | $3,245/moP&I $3,245 · 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 | 5.952% | 6.002% | 0 pts ($0) | $3,872/mo | $76,929 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.945% | 5.996% | 0 pts ($0) | $4,838/mo | $107,263 |
Condo 10% Down | 10% | 720 credit score | 7.105% | 7.272% | 0 pts ($0) | $3,482/mo | $121,913 |
Conventional 10% Down | 10% | 720 credit score | 6.568% | 6.723% | 0 pts ($0) | $3,296/mo | $113,535 |
Conventional 20% Down | 20% | 740 credit score | 6.871% | 6.906% | 0 pts ($0) | $3,022/mo | $93,384 |
Conventional 5% Down | 5% | 700 credit score | 6.991% | 7.468% | 0 pts ($0) | $3,633/mo | $126,808 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.316% | 7.354% | 0 pts ($0) | $3,951/mo | $135,668 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,405/mo | $115,357 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.780% | 7.154% | 0 pts ($0) | $3,631/mo | $130,951 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.611% | 6.645% | 0 pts ($0) | $3,679/mo | $123,443 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,748/mo | $113,194 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.007% | 6.776% | 0 pts ($0) | $3,389/mo | $118,964 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,486/mo | $122,030 |
FHA Streamline Refi | 0% | 640 credit score | 6.165% | 6.937% | 0 pts ($0) | $3,572/mo | $126,059 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.965% | 7.208% | 0 pts ($0) | $3,623/mo | $131,298 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,599/mo | $70,473 |
Investment Property 25% Down | 25% | 740 credit score | 7.586% | 7.626% | 0 pts ($0) | $3,043/mo | $96,853 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,101/mo | $96,908 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,345/mo | $102,577 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.380% | 7.155% | 0 pts ($0) | $3,526/mo | $125,300 |
Second Home 10% Down | 10% | 720 credit score | 6.030% | 6.604% | 0 pts ($0) | $3,114/mo | $105,155 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,026/mo | $93,564 |
VA 0% Down | 0% | 700 credit score | 6.001% | 6.244% | 0 pts ($0) | $3,524/mo | $116,222 |
VA Cash-Out Refi | 0% | 640 credit score | 6.012% | 6.379% | 0 pts ($0) | $3,528/mo | $116,416 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.035% | 6.186% | 0 pts ($0) | $3,537/mo | $116,823 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,166/mo | $100,156 |
Frequently Asked Questions
What are today's mortgage rates in 34219, , FL across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 34219, , FL is 6.871% (with an estimated monthly payment of $2,534). Active program rates also include FHA 30-year fixed loans at 6.007% and VA 0%-down fixed loans at 6.001%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 34219, , 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 34219, , FL have fluctuated between a low of 6.493% and a high of 6.953%. 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 34219, , FL?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $575,334 in 34219, , FL, a standard 20%-down Conventional loan requires an upfront cash down payment of $115,067 but keeps your monthly payment lower at $2,534/mo (at 6.871% interest) with no monthly PMI. In comparison, an FHA loan requires only $20,137 (3.5% down) but has an estimated payment of $2,842/mo (at 6.007% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $555,197 exceeds the local HUD FHA limit of $524,225 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 34219 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 34219 is $806,501. With a typical local home value of $575,334 in , a standard 20%-down mortgage requires a loan size of $460,267. 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 34219, , FL impact estimated mortgage payments?
The median home value in 34219, , FL is estimated at $575,334. Buying a typical home here with a standard 20% down payment ($115,067) translates to an estimated starting monthly mortgage payment of $2,534 (principal and interest). Compared to the local area median household income of $113,915 ($9,493/mo), this basic housing payment represents approximately 26.7% 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.