Select your Scenario
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.
See Safe Rate's top scoring lenders for Rockbridge
We rank active Rockbridge lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.968%APR 7.007% | 0 pts$0 | $1,474/moP&I $1,474 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.959%APR 6.730% | 0 pts$0 | $1,454/moP&I $1,350 · MI $104 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.139%APR 6.195% | 0 pts$0 | $1,353/moP&I $1,353 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.926%APR 6.965% | 0 pts$0 | $1,468/moP&I $1,468 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.706% | 0 pts$0 | $1,573/moP&I $1,573 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 6.139% | 6.195% | 0 pts ($0) | $1,892/mo | $38,355 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.101% | 6.158% | 0 pts ($0) | $2,360/mo | $53,056 |
Condo 10% Down | 10% | 720 credit score | 7.294% | 7.468% | 0 pts ($0) | $1,713/mo | $60,301 |
Conventional 10% Down | 10% | 720 credit score | 6.790% | 6.951% | 0 pts ($0) | $1,629/mo | $56,501 |
Conventional 20% Down | 20% | 740 credit score | 6.968% | 7.007% | 0 pts ($0) | $1,474/mo | $45,748 |
Conventional 5% Down | 5% | 700 credit score | 7.108% | 7.592% | 0 pts ($0) | $1,775/mo | $62,170 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.414% | 7.456% | 0 pts ($0) | $1,926/mo | $66,340 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,644/mo | $55,709 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.836% | 7.215% | 0 pts ($0) | $1,763/mo | $63,695 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.926% | 6.965% | 0 pts ($0) | $1,835/mo | $62,251 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,293/mo | $54,665 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.959% | 6.730% | 0 pts ($0) | $1,628/mo | $57,058 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,683/mo | $58,932 |
FHA Streamline Refi | 0% | 640 credit score | 6.083% | 6.856% | 0 pts ($0) | $1,710/mo | $60,181 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.065% | 7.313% | 0 pts ($0) | $1,768/mo | $64,204 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,738/mo | $34,034 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.706% | 0 pts ($0) | $1,475/mo | $47,018 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,498/mo | $46,800 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,616/mo | $49,537 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.323% | 7.100% | 0 pts ($0) | $1,693/mo | $60,043 |
Second Home 10% Down | 10% | 720 credit score | 6.071% | 6.649% | 0 pts ($0) | $1,511/mo | $51,091 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,462/mo | $45,185 |
VA 0% Down | 0% | 700 credit score | 6.085% | 6.332% | 0 pts ($0) | $1,717/mo | $56,844 |
VA Cash-Out Refi | 0% | 640 credit score | 6.088% | 6.460% | 0 pts ($0) | $1,718/mo | $56,869 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.079% | 6.233% | 0 pts ($0) | $1,716/mo | $56,792 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,529/mo | $48,368 |
Frequently Asked Questions
What are today's mortgage rates in 43149, Hide-A-Way Hills, OH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 43149, Hide-A-Way Hills, OH is 6.968% (with an estimated monthly payment of $1,709). Active program rates also include FHA 30-year fixed loans at 5.959% 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 43149, Hide-A-Way Hills, OH?
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 43149, Hide-A-Way Hills, OH have fluctuated between a low of 6.856% and a high of 7.100%. 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 43149, Hide-A-Way Hills, OH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $277,846 in 43149, Hide-A-Way Hills, OH, a standard 20%-down Conventional loan requires an upfront cash down payment of $55,569 but keeps your monthly payment lower at $1,709/mo (at 6.968% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,725 (3.5% down) but has an estimated payment of $1,888/mo (at 5.959% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $268,121 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 43149 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 43149 is $806,501. With a typical local home value of $277,846 in Hide-A-Way Hills, a standard 20%-down mortgage requires a loan size of $222,277. 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 43149, Hide-A-Way Hills, OH impact estimated mortgage payments?
The median home value in 43149, Hide-A-Way Hills, OH is estimated at $277,846. Buying a typical home here with a standard 20% down payment ($55,569) translates to an estimated starting monthly mortgage payment of $1,709 (principal and interest). Compared to the local area median household income of $84,859 ($7,072/mo), this basic housing payment represents approximately 24.2% 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.