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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 | 7.017%APR 7.057% | 0 pts$0 | $1,043/moP&I $1,043 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.078%APR 6.852% | 0 pts$0 | $1,036/moP&I $963 · MI $73 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.276%APR 6.335% | 0 pts$0 | $967/moP&I $967 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.875%APR 6.916% | 0 pts$0 | $1,028/moP&I $1,028 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.731% | 0 pts$0 | $1,108/moP&I $1,108 · 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 | 6.276% | 6.335% | 0 pts ($0) | $1,344/mo | $27,634 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.003% | 6.062% | 0 pts ($0) | $1,652/mo | $36,810 |
Condo 10% Down | 10% | 720 credit score | 7.241% | 7.416% | 0 pts ($0) | $1,200/mo | $42,187 |
Conventional 10% Down | 10% | 720 credit score | 6.830% | 6.994% | 0 pts ($0) | $1,152/mo | $40,005 |
Conventional 20% Down | 20% | 740 credit score | 7.017% | 7.057% | 0 pts ($0) | $1,043/mo | $32,450 |
Conventional 5% Down | 5% | 700 credit score | 7.198% | 7.686% | 0 pts ($0) | $1,262/mo | $44,289 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.467% | 7.511% | 0 pts ($0) | $1,364/mo | $47,034 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,158/mo | $39,234 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.849% | 7.229% | 0 pts ($0) | $1,244/mo | $44,933 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.875% | 6.916% | 0 pts ($0) | $1,285/mo | $43,541 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,615/mo | $38,499 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.078% | 6.852% | 0 pts ($0) | $1,162/mo | $40,871 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,186/mo | $41,504 |
FHA Streamline Refi | 0% | 640 credit score | 6.272% | 7.049% | 0 pts ($0) | $1,229/mo | $43,515 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.121% | 7.372% | 0 pts ($0) | $1,252/mo | $45,531 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,224/mo | $23,969 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.731% | 0 pts ($0) | $1,039/mo | $33,114 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,055/mo | $32,960 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,138/mo | $34,888 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.441% | 7.221% | 0 pts ($0) | $1,207/mo | $42,969 |
Second Home 10% Down | 10% | 720 credit score | 6.079% | 6.658% | 0 pts ($0) | $1,065/mo | $36,024 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,029/mo | $31,822 |
VA 0% Down | 0% | 700 credit score | 6.085% | 6.333% | 0 pts ($0) | $1,209/mo | $40,033 |
VA Cash-Out Refi | 0% | 640 credit score | 6.086% | 6.459% | 0 pts ($0) | $1,209/mo | $40,039 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.104% | 6.260% | 0 pts ($0) | $1,212/mo | $40,148 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,077/mo | $34,064 |
Frequently Asked Questions
What are today's mortgage rates in 37339, Gruetli-Laager, TN across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 37339, Gruetli-Laager, TN is 7.017% (with an estimated monthly payment of $1,476). Active program rates also include FHA 30-year fixed loans at 6.078% and VA 0%-down fixed loans at 6.085%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 37339, Gruetli-Laager, 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 37339, Gruetli-Laager, TN have fluctuated between a low of 6.910% and a high of 7.166%. 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 37339, Gruetli-Laager, TN?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $195,679 in 37339, Gruetli-Laager, TN, a standard 20%-down Conventional loan requires an upfront cash down payment of $39,136 but keeps your monthly payment lower at $1,476/mo (at 7.017% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,849 (3.5% down) but has an estimated payment of $1,643/mo (at 6.078% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $188,830 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 37339 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 37339 is $806,501. With a typical local home value of $195,679 in Gruetli-Laager, a standard 20%-down mortgage requires a loan size of $156,543. 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 37339, Gruetli-Laager, TN impact estimated mortgage payments?
The median home value in 37339, Gruetli-Laager, TN is estimated at $195,679. Buying a typical home here with a standard 20% down payment ($39,136) translates to an estimated starting monthly mortgage payment of $1,476 (principal and interest). Compared to the local area median household income of $47,650 ($3,971/mo), this basic housing payment represents approximately 37.2% 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.