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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 | 7.046%APR 7.087% | 0 pts$0 | $1,512/moP&I $1,512 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.085%APR 6.860% | 0 pts$0 | $1,498/moP&I $1,393 · MI $106 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.297%APR 6.357% | 0 pts$0 | $1,400/moP&I $1,400 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.050%APR 7.091% | 0 pts$0 | $1,513/moP&I $1,513 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.692% | 0 pts$0 | $1,601/moP&I $1,601 · 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 | 6.297% | 6.357% | 0 pts ($0) | $1,946/mo | $40,075 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.213% | 6.272% | 0 pts ($0) | $2,419/mo | $54,919 |
Condo 10% Down | 10% | 720 credit score | 7.264% | 7.440% | 0 pts ($0) | $1,739/mo | $61,145 |
Conventional 10% Down | 10% | 720 credit score | 6.845% | 7.009% | 0 pts ($0) | $1,667/mo | $57,930 |
Conventional 20% Down | 20% | 740 credit score | 7.046% | 7.087% | 0 pts ($0) | $1,512/mo | $47,094 |
Conventional 5% Down | 5% | 700 credit score | 7.242% | 7.734% | 0 pts ($0) | $1,831/mo | $64,363 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.487% | 7.531% | 0 pts ($0) | $1,975/mo | $68,144 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,674/mo | $56,702 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.854% | 7.235% | 0 pts ($0) | $1,798/mo | $64,978 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.050% | 7.091% | 0 pts ($0) | $1,891/mo | $64,417 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,334/mo | $55,639 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.085% | 6.860% | 0 pts ($0) | $1,680/mo | $59,126 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,713/mo | $59,982 |
FHA Streamline Refi | 0% | 640 credit score | 6.279% | 7.057% | 0 pts ($0) | $1,777/mo | $62,949 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.165% | 7.417% | 0 pts ($0) | $1,817/mo | $66,157 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,769/mo | $34,640 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.692% | 0 pts ($0) | $1,501/mo | $47,856 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,524/mo | $47,633 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,644/mo | $50,420 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.447% | 7.228% | 0 pts ($0) | $1,745/mo | $62,149 |
Second Home 10% Down | 10% | 720 credit score | 6.086% | 6.666% | 0 pts ($0) | $1,540/mo | $52,116 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,488/mo | $45,990 |
VA 0% Down | 0% | 700 credit score | 6.088% | 6.336% | 0 pts ($0) | $1,748/mo | $57,882 |
VA Cash-Out Refi | 0% | 640 credit score | 6.093% | 6.466% | 0 pts ($0) | $1,749/mo | $57,926 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.111% | 6.268% | 0 pts ($0) | $1,753/mo | $58,082 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,556/mo | $49,230 |
Frequently Asked Questions
What are today's mortgage rates in 49768, , MI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 49768, , MI is 7.046% (with an estimated monthly payment of $1,404). Active program rates also include FHA 30-year fixed loans at 6.085% and VA 0%-down fixed loans at 6.088%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 49768, , MI?
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 49768, , MI have fluctuated between a low of 6.930% and a high of 7.190%. 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 49768, , MI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $282,795 in 49768, , MI, a standard 20%-down Conventional loan requires an upfront cash down payment of $56,559 but keeps your monthly payment lower at $1,404/mo (at 7.046% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,898 (3.5% down) but has an estimated payment of $1,559/mo (at 6.085% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $272,897 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 49768 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 49768 is $806,501. With a typical local home value of $282,795 in , a standard 20%-down mortgage requires a loan size of $226,236. 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 49768, , MI impact estimated mortgage payments?
The median home value in 49768, , MI is estimated at $282,795. Buying a typical home here with a standard 20% down payment ($56,559) translates to an estimated starting monthly mortgage payment of $1,404 (principal and interest). Compared to the local area median household income of $61,200 ($5,100/mo), this basic housing payment represents approximately 27.5% 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.