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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 | 6.965%APR 7.006% | 0 pts$0 | $1,454/moP&I $1,454 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.089%APR 6.864% | 0 pts$0 | $1,453/moP&I $1,350 · MI $102 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.124%APR 6.184% | 0 pts$0 | $1,332/moP&I $1,332 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.974%APR 7.016% | 0 pts$0 | $1,455/moP&I $1,455 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.711% | 0 pts$0 | $1,552/moP&I $1,552 · 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 | 6.124% | 6.184% | 0 pts ($0) | $1,865/mo | $37,739 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.036% | 6.096% | 0 pts ($0) | $2,318/mo | $51,819 |
Condo 10% Down | 10% | 720 credit score | 7.294% | 7.471% | 0 pts ($0) | $1,690/mo | $59,482 |
Conventional 10% Down | 10% | 720 credit score | 6.874% | 7.040% | 0 pts ($0) | $1,620/mo | $56,358 |
Conventional 20% Down | 20% | 740 credit score | 6.965% | 7.006% | 0 pts ($0) | $1,454/mo | $45,107 |
Conventional 5% Down | 5% | 700 credit score | 7.273% | 7.766% | 0 pts ($0) | $1,780/mo | $62,622 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.411% | 7.456% | 0 pts ($0) | $1,900/mo | $65,414 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,622/mo | $54,953 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.863% | 7.245% | 0 pts ($0) | $1,744/mo | $63,046 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.974% | 7.016% | 0 pts ($0) | $1,819/mo | $61,802 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,262/mo | $53,923 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.089% | 6.864% | 0 pts ($0) | $1,629/mo | $57,334 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,661/mo | $58,132 |
FHA Streamline Refi | 0% | 640 credit score | 6.283% | 7.062% | 0 pts ($0) | $1,723/mo | $61,041 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.247% | 7.501% | 0 pts ($0) | $1,776/mo | $64,761 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,715/mo | $33,571 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.711% | 0 pts ($0) | $1,455/mo | $46,380 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,477/mo | $46,164 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,594/mo | $48,865 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.451% | 7.233% | 0 pts ($0) | $1,692/mo | $60,265 |
Second Home 10% Down | 10% | 720 credit score | 6.094% | 6.675% | 0 pts ($0) | $1,494/mo | $50,567 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,442/mo | $44,571 |
VA 0% Down | 0% | 700 credit score | 6.109% | 6.358% | 0 pts ($0) | $1,698/mo | $56,274 |
VA Cash-Out Refi | 0% | 640 credit score | 6.114% | 6.489% | 0 pts ($0) | $1,699/mo | $56,316 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.122% | 6.280% | 0 pts ($0) | $1,701/mo | $56,383 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,508/mo | $47,712 |
Frequently Asked Questions
What are today's mortgage rates in 44513, , OH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 44513, , OH is 6.965% (with an estimated monthly payment of $1,269). Active program rates also include FHA 30-year fixed loans at 6.089% and VA 0%-down fixed loans at 6.109%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 44513, , 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 44513, , OH have fluctuated between a low of 6.850% and a high of 7.089%. 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 44513, , OH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $274,073 in 44513, , OH, a standard 20%-down Conventional loan requires an upfront cash down payment of $54,815 but keeps your monthly payment lower at $1,269/mo (at 6.965% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,593 (3.5% down) but has an estimated payment of $1,422/mo (at 6.089% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $264,480 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 44513 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 44513 is $806,501. With a typical local home value of $274,073 in , a standard 20%-down mortgage requires a loan size of $219,258. 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 44513, , OH impact estimated mortgage payments?
The median home value in 44513, , OH is estimated at $274,073. Buying a typical home here with a standard 20% down payment ($54,815) translates to an estimated starting monthly mortgage payment of $1,269 (principal and interest). Compared to the local area median household income of $65,802 ($5,484/mo), this basic housing payment represents approximately 23.1% 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.