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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 | 6.979%APR 7.021% | 0 pts$0 | $1,290/moP&I $1,290 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.089%APR 6.865% | 0 pts$0 | $1,287/moP&I $1,197 · MI $91 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.204%APR 6.266% | 0 pts$0 | $1,191/moP&I $1,191 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.081%APR 7.158% | 0 pts$0 | $1,303/moP&I $1,303 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.715% | 0 pts$0 | $1,375/moP&I $1,375 · 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 | 6.204% | 6.266% | 0 pts ($0) | $1,661/mo | $33,895 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.144% | 6.221% | 0 pts ($0) | $2,069/mo | $46,683 |
Condo 10% Down | 10% | 720 credit score | 7.310% | 7.488% | 0 pts ($0) | $1,500/mo | $52,819 |
Conventional 10% Down | 10% | 720 credit score | 6.891% | 7.057% | 0 pts ($0) | $1,438/mo | $50,058 |
Conventional 20% Down | 20% | 740 credit score | 6.979% | 7.021% | 0 pts ($0) | $1,290/mo | $40,056 |
Conventional 5% Down | 5% | 700 credit score | 7.285% | 7.780% | 0 pts ($0) | $1,580/mo | $55,580 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.427% | 7.472% | 0 pts ($0) | $1,686/mo | $58,088 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,437/mo | $48,700 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.867% | 7.249% | 0 pts ($0) | $1,546/mo | $55,901 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.081% | 7.158% | 0 pts ($0) | $1,629/mo | $55,553 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,004/mo | $47,787 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.089% | 6.865% | 0 pts ($0) | $1,444/mo | $50,810 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,472/mo | $51,517 |
FHA Streamline Refi | 0% | 640 credit score | 6.283% | 7.062% | 0 pts ($0) | $1,527/mo | $54,095 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.257% | 7.512% | 0 pts ($0) | $1,575/mo | $57,461 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,520/mo | $29,751 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.715% | 0 pts ($0) | $1,289/mo | $41,102 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,309/mo | $40,911 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,412/mo | $43,304 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.451% | 7.233% | 0 pts ($0) | $1,500/mo | $53,407 |
Second Home 10% Down | 10% | 720 credit score | 6.100% | 6.682% | 0 pts ($0) | $1,325/mo | $44,853 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,278/mo | $39,500 |
VA 0% Down | 0% | 700 credit score | 6.115% | 6.365% | 0 pts ($0) | $1,506/mo | $49,915 |
VA Cash-Out Refi | 0% | 640 credit score | 6.117% | 6.492% | 0 pts ($0) | $1,506/mo | $49,930 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.126% | 6.284% | 0 pts ($0) | $1,508/mo | $49,997 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,337/mo | $42,283 |
Frequently Asked Questions
What are today's mortgage rates in 43967, , OH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 43967, , OH is 6.979% (with an estimated monthly payment of $1,225). Active program rates also include FHA 30-year fixed loans at 6.089% and VA 0%-down fixed loans at 6.115%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 43967, , 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 43967, , OH have fluctuated between a low of 6.866% and a high of 7.121%. 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 43967, , OH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $242,887 in 43967, , OH, a standard 20%-down Conventional loan requires an upfront cash down payment of $48,577 but keeps your monthly payment lower at $1,225/mo (at 6.979% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,501 (3.5% down) but has an estimated payment of $1,370/mo (at 6.089% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $234,386 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 43967 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 43967 is $806,501. With a typical local home value of $242,887 in , a standard 20%-down mortgage requires a loan size of $194,310. 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 43967, , OH impact estimated mortgage payments?
The median home value in 43967, , OH is estimated at $242,887. Buying a typical home here with a standard 20% down payment ($48,577) translates to an estimated starting monthly mortgage payment of $1,225 (principal and interest). Compared to the local area median household income of $68,211 ($5,684/mo), this basic housing payment represents approximately 21.5% 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.