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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 | 7.000%APR 7.040% | 0 pts$0 | $1,403/moP&I $1,403 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.077%APR 6.851% | 0 pts$0 | $1,395/moP&I $1,297 · MI $98 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.263%APR 6.321% | 0 pts$0 | $1,300/moP&I $1,300 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.034%APR 7.075% | 0 pts$0 | $1,408/moP&I $1,408 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.725% | 0 pts$0 | $1,492/moP&I $1,492 · 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 | 6.263% | 6.321% | 0 pts ($0) | $1,809/mo | $37,143 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.157% | 6.215% | 0 pts ($0) | $2,247/mo | $50,758 |
Condo 10% Down | 10% | 720 credit score | 7.336% | 7.512% | 0 pts ($0) | $1,632/mo | $57,504 |
Conventional 10% Down | 10% | 720 credit score | 6.821% | 6.984% | 0 pts ($0) | $1,550/mo | $53,821 |
Conventional 20% Down | 20% | 740 credit score | 7.000% | 7.040% | 0 pts ($0) | $1,403/mo | $43,601 |
Conventional 5% Down | 5% | 700 credit score | 7.172% | 7.660% | 0 pts ($0) | $1,695/mo | $59,460 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.455% | 7.498% | 0 pts ($0) | $1,835/mo | $63,258 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,560/mo | $52,848 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.846% | 7.226% | 0 pts ($0) | $1,675/mo | $60,500 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.034% | 7.075% | 0 pts ($0) | $1,760/mo | $59,911 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,175/mo | $51,857 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.077% | 6.851% | 0 pts ($0) | $1,564/mo | $55,045 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,597/mo | $55,905 |
FHA Streamline Refi | 0% | 640 credit score | 6.271% | 7.048% | 0 pts ($0) | $1,655/mo | $58,606 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.113% | 7.362% | 0 pts ($0) | $1,685/mo | $61,268 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,649/mo | $32,285 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.725% | 0 pts ($0) | $1,399/mo | $44,603 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,421/mo | $44,396 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,533/mo | $46,993 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.440% | 7.220% | 0 pts ($0) | $1,626/mo | $57,870 |
Second Home 10% Down | 10% | 720 credit score | 6.083% | 6.662% | 0 pts ($0) | $1,435/mo | $48,552 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,386/mo | $42,864 |
VA 0% Down | 0% | 700 credit score | 6.081% | 6.328% | 0 pts ($0) | $1,628/mo | $53,891 |
VA Cash-Out Refi | 0% | 640 credit score | 6.085% | 6.457% | 0 pts ($0) | $1,629/mo | $53,924 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.091% | 6.247% | 0 pts ($0) | $1,630/mo | $53,972 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,450/mo | $45,884 |
Frequently Asked Questions
What are today's mortgage rates in 70455, , LA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 70455, , LA is 7.000% (with an estimated monthly payment of $1,523). Active program rates also include FHA 30-year fixed loans at 6.077% and VA 0%-down fixed loans at 6.081%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 70455, , 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 70455, , LA have fluctuated between a low of 6.899% and a high of 7.152%. 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 70455, , LA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $263,574 in 70455, , LA, a standard 20%-down Conventional loan requires an upfront cash down payment of $52,715 but keeps your monthly payment lower at $1,523/mo (at 7.000% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,225 (3.5% down) but has an estimated payment of $1,698/mo (at 6.077% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $254,349 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 70455 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 70455 is $806,501. With a typical local home value of $263,574 in , a standard 20%-down mortgage requires a loan size of $210,859. 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 70455, , LA impact estimated mortgage payments?
The median home value in 70455, , LA is estimated at $263,574. Buying a typical home here with a standard 20% down payment ($52,715) translates to an estimated starting monthly mortgage payment of $1,523 (principal and interest). Compared to the local area median household income of $75,539 ($6,295/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.