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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 | 6.974%APR 7.013% | 0 pts$0 | $1,170/moP&I $1,170 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.961%APR 6.732% | 0 pts$0 | $1,154/moP&I $1,072 · MI $82 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.176%APR 6.232% | 0 pts$0 | $1,078/moP&I $1,078 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.841%APR 6.881% | 0 pts$0 | $1,155/moP&I $1,155 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.709% | 0 pts$0 | $1,248/moP&I $1,248 · 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 | 6.176% | 6.232% | 0 pts ($0) | $1,505/mo | $30,625 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.187% | 6.246% | 0 pts ($0) | $1,883/mo | $42,651 |
Condo 10% Down | 10% | 720 credit score | 7.302% | 7.476% | 0 pts ($0) | $1,361/mo | $47,899 |
Conventional 10% Down | 10% | 720 credit score | 6.796% | 6.957% | 0 pts ($0) | $1,293/mo | $44,872 |
Conventional 20% Down | 20% | 740 credit score | 6.974% | 7.013% | 0 pts ($0) | $1,170/mo | $36,334 |
Conventional 5% Down | 5% | 700 credit score | 7.117% | 7.601% | 0 pts ($0) | $1,410/mo | $49,391 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.422% | 7.464% | 0 pts ($0) | $1,530/mo | $52,696 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,305/mo | $44,207 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.838% | 7.217% | 0 pts ($0) | $1,400/mo | $50,557 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.841% | 6.881% | 0 pts ($0) | $1,443/mo | $48,833 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,819/mo | $43,378 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.961% | 6.732% | 0 pts ($0) | $1,293/mo | $45,290 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,336/mo | $46,764 |
FHA Streamline Refi | 0% | 640 credit score | 6.085% | 6.858% | 0 pts ($0) | $1,357/mo | $47,769 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.074% | 7.322% | 0 pts ($0) | $1,404/mo | $51,005 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,379/mo | $27,007 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.709% | 0 pts ($0) | $1,170/mo | $37,311 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,188/mo | $37,137 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,282/mo | $39,309 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.325% | 7.102% | 0 pts ($0) | $1,344/mo | $47,659 |
Second Home 10% Down | 10% | 720 credit score | 6.073% | 6.651% | 0 pts ($0) | $1,199/mo | $40,554 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,160/mo | $35,856 |
VA 0% Down | 0% | 700 credit score | 6.087% | 6.334% | 0 pts ($0) | $1,363/mo | $45,121 |
VA Cash-Out Refi | 0% | 640 credit score | 6.091% | 6.463% | 0 pts ($0) | $1,364/mo | $45,148 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.082% | 6.237% | 0 pts ($0) | $1,362/mo | $45,087 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,213/mo | $38,382 |
Frequently Asked Questions
What are today's mortgage rates in 70442, , LA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 70442, , LA is 6.974% (with an estimated monthly payment of $1,670). Active program rates also include FHA 30-year fixed loans at 5.961% and VA 0%-down fixed loans at 6.087%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 70442, , LA?
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 70442, , LA have fluctuated between a low of 6.863% and a high of 7.114%. 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 70442, , LA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $220,480 in 70442, , LA, a standard 20%-down Conventional loan requires an upfront cash down payment of $44,096 but keeps your monthly payment lower at $1,670/mo (at 6.974% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,717 (3.5% down) but has an estimated payment of $1,845/mo (at 5.961% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $212,763 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 70442 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 70442 is $806,501. With a typical local home value of $220,480 in , a standard 20%-down mortgage requires a loan size of $176,384. 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 70442, , LA impact estimated mortgage payments?
The median home value in 70442, , LA is estimated at $220,480. Buying a typical home here with a standard 20% down payment ($44,096) translates to an estimated starting monthly mortgage payment of $1,670 (principal and interest). Compared to the local area median household income of $74,831 ($6,236/mo), this basic housing payment represents approximately 26.8% 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.