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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 | 6.906%APR 6.942% | 0 pts$0 | $2,069/moP&I $2,069 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.942%APR 6.711% | 0 pts$0 | $2,050/moP&I $1,903 · MI $146 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.005%APR 6.056% | 0 pts$0 | $1,883/moP&I $1,883 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.933%APR 6.970% | 0 pts$0 | $2,074/moP&I $2,074 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.671% | 0 pts$0 | $2,222/moP&I $2,222 · 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 | 6.005% | 6.056% | 0 pts ($0) | $2,650/mo | $52,952 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.962% | 6.013% | 0 pts ($0) | $3,303/mo | $73,353 |
Condo 10% Down | 10% | 720 credit score | 7.181% | 7.351% | 0 pts ($0) | $2,393/mo | $83,962 |
Conventional 10% Down | 10% | 720 credit score | 6.607% | 6.763% | 0 pts ($0) | $2,257/mo | $77,853 |
Conventional 20% Down | 20% | 740 credit score | 6.906% | 6.942% | 0 pts ($0) | $2,069/mo | $64,025 |
Conventional 5% Down | 5% | 700 credit score | 7.023% | 7.501% | 0 pts ($0) | $2,486/mo | $86,850 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.349% | 7.388% | 0 pts ($0) | $2,703/mo | $92,925 |
Conventional High Balance | 10% | 740 credit score | 7.013% | 7.046% | 0 pts ($0) | $2,353/mo | $80,054 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.818% | 7.194% | 0 pts ($0) | $2,486/mo | $89,753 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.933% | 6.970% | 0 pts ($0) | $2,593/mo | $88,002 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,238/mo | $77,206 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.942% | 6.711% | 0 pts ($0) | $2,296/mo | $80,388 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,377/mo | $83,232 |
FHA Streamline Refi | 0% | 640 credit score | 6.059% | 6.830% | 0 pts ($0) | $2,409/mo | $84,708 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.991% | 7.235% | 0 pts ($0) | $2,478/mo | $89,846 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,455/mo | $48,067 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.671% | 0 pts ($0) | $2,083/mo | $66,406 |
Jumbo Conforming | 20% | 760 credit score | 7.051% | 7.084% | 0 pts ($0) | $2,099/mo | $65,397 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,282/mo | $69,963 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.299% | 7.074% | 0 pts ($0) | $2,385/mo | $84,524 |
Second Home 10% Down | 10% | 720 credit score | 5.946% | 6.519% | 0 pts ($0) | $2,105/mo | $70,831 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,064/mo | $63,817 |
VA 0% Down | 0% | 700 credit score | 6.052% | 6.296% | 0 pts ($0) | $2,417/mo | $79,885 |
VA Cash-Out Refi | 0% | 640 credit score | 6.064% | 6.433% | 0 pts ($0) | $2,420/mo | $80,030 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.070% | 6.223% | 0 pts ($0) | $2,421/mo | $80,102 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,159/mo | $68,313 |
Frequently Asked Questions
What are today's mortgage rates in 37189, Nashville-Davidson Metropolitan Government (Balance), TN across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 37189, Nashville-Davidson Metropolitan Government (Balance), TN is 6.906% (with an estimated monthly payment of $2,183). Active program rates also include FHA 30-year fixed loans at 5.942% and VA 0%-down fixed loans at 6.052%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 37189, Nashville-Davidson Metropolitan Government (Balance), 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 37189, Nashville-Davidson Metropolitan Government (Balance), TN have fluctuated between a low of 6.533% and a high of 6.985%. 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 37189, Nashville-Davidson Metropolitan Government (Balance), TN?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $392,413 in 37189, Nashville-Davidson Metropolitan Government (Balance), TN, a standard 20%-down Conventional loan requires an upfront cash down payment of $78,483 but keeps your monthly payment lower at $2,183/mo (at 6.906% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,734 (3.5% down) but has an estimated payment of $2,422/mo (at 5.942% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $378,679 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 37189 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 37189 is $806,501. With a typical local home value of $392,413 in Nashville-Davidson Metropolitan Government (Balance), a standard 20%-down mortgage requires a loan size of $313,930. 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 37189, Nashville-Davidson Metropolitan Government (Balance), TN impact estimated mortgage payments?
The median home value in 37189, Nashville-Davidson Metropolitan Government (Balance), TN is estimated at $392,413. Buying a typical home here with a standard 20% down payment ($78,483) translates to an estimated starting monthly mortgage payment of $2,183 (principal and interest). Compared to the local area median household income of $82,221 ($6,852/mo), this basic housing payment represents approximately 31.9% 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.