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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 | 6.880%APR 6.915% | 0 pts$0 | $2,008/moP&I $2,008 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.014%APR 6.783% | 0 pts$0 | $2,009/moP&I $1,867 · MI $143 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.961%APR 6.011% | 0 pts$0 | $1,824/moP&I $1,824 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.842%APR 6.878% | 0 pts$0 | $2,001/moP&I $2,001 · MI $0 | See details |
| Investment Property FixedConforming | 7.594%APR 7.635% | 0 pts$0 | $2,156/moP&I $2,156 · 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 | 5.961% | 6.011% | 0 pts ($0) | $2,572/mo | $51,154 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.946% | 5.997% | 0 pts ($0) | $3,212/mo | $71,225 |
Condo 10% Down | 10% | 720 credit score | 7.113% | 7.280% | 0 pts ($0) | $2,313/mo | $81,023 |
Conventional 10% Down | 10% | 720 credit score | 6.574% | 6.729% | 0 pts ($0) | $2,190/mo | $75,440 |
Conventional 20% Down | 20% | 740 credit score | 6.880% | 6.915% | 0 pts ($0) | $2,008/mo | $62,082 |
Conventional 5% Down | 5% | 700 credit score | 6.995% | 7.472% | 0 pts ($0) | $2,413/mo | $84,233 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.321% | 7.359% | 0 pts ($0) | $2,624/mo | $90,130 |
Conventional High Balance | 10% | 740 credit score | 7.013% | 7.046% | 0 pts ($0) | $2,290/mo | $77,924 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.786% | 7.161% | 0 pts ($0) | $2,412/mo | $87,008 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.842% | 6.878% | 0 pts ($0) | $2,501/mo | $84,614 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,152/mo | $75,152 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.014% | 6.783% | 0 pts ($0) | $2,252/mo | $79,061 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,314/mo | $81,018 |
FHA Streamline Refi | 0% | 640 credit score | 6.180% | 6.952% | 0 pts ($0) | $2,375/mo | $83,868 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.969% | 7.213% | 0 pts ($0) | $2,407/mo | $87,215 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,390/mo | $46,788 |
Investment Property 25% Down | 25% | 740 credit score | 7.594% | 7.635% | 0 pts ($0) | $2,022/mo | $64,371 |
Jumbo Conforming | 20% | 760 credit score | 7.051% | 7.084% | 0 pts ($0) | $2,044/mo | $63,657 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,221/mo | $68,102 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.386% | 7.162% | 0 pts ($0) | $2,343/mo | $83,257 |
Second Home 10% Down | 10% | 720 credit score | 6.038% | 6.612% | 0 pts ($0) | $2,070/mo | $69,897 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,009/mo | $62,119 |
VA 0% Down | 0% | 700 credit score | 6.009% | 6.252% | 0 pts ($0) | $2,342/mo | $77,256 |
VA Cash-Out Refi | 0% | 640 credit score | 6.020% | 6.387% | 0 pts ($0) | $2,344/mo | $77,385 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.044% | 6.196% | 0 pts ($0) | $2,350/mo | $77,666 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,102/mo | $66,495 |
Frequently Asked Questions
What are today's mortgage rates in 37074, Hartsville/Trousdale County, TN across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 37074, Hartsville/Trousdale County, TN is 6.880% (with an estimated monthly payment of $2,476). Active program rates also include FHA 30-year fixed loans at 6.014% and VA 0%-down fixed loans at 6.009%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 37074, Hartsville/Trousdale County, TN?
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 37074, Hartsville/Trousdale County, TN have fluctuated between a low of 6.498% and a high of 6.958%. 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 37074, Hartsville/Trousdale County, TN?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $381,974 in 37074, Hartsville/Trousdale County, TN, a standard 20%-down Conventional loan requires an upfront cash down payment of $76,395 but keeps your monthly payment lower at $2,476/mo (at 6.880% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,369 (3.5% down) but has an estimated payment of $2,776/mo (at 6.014% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $368,605 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 37074 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 37074 is $806,501. With a typical local home value of $381,974 in Hartsville/Trousdale County, a standard 20%-down mortgage requires a loan size of $305,579. 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 37074, Hartsville/Trousdale County, TN impact estimated mortgage payments?
The median home value in 37074, Hartsville/Trousdale County, TN is estimated at $381,974. Buying a typical home here with a standard 20% down payment ($76,395) translates to an estimated starting monthly mortgage payment of $2,476 (principal and interest). Compared to the local area median household income of $67,420 ($5,618/mo), this basic housing payment represents approximately 44.1% 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.