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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 7.018% | 0 pts$0 | $1,038/moP&I $1,038 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.067%APR 6.840% | 0 pts$0 | $1,033/moP&I $961 · MI $73 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.202%APR 6.259% | 0 pts$0 | $958/moP&I $958 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.932%APR 6.972% | 0 pts$0 | $1,033/moP&I $1,033 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.712% | 0 pts$0 | $1,106/moP&I $1,106 · 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 | 6.202% | 6.259% | 0 pts ($0) | $1,336/mo | $27,260 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.112% | 6.169% | 0 pts ($0) | $1,661/mo | $37,376 |
Condo 10% Down | 10% | 720 credit score | 7.307% | 7.481% | 0 pts ($0) | $1,207/mo | $42,478 |
Conventional 10% Down | 10% | 720 credit score | 6.800% | 6.962% | 0 pts ($0) | $1,147/mo | $39,790 |
Conventional 20% Down | 20% | 740 credit score | 6.979% | 7.018% | 0 pts ($0) | $1,038/mo | $32,226 |
Conventional 5% Down | 5% | 700 credit score | 7.123% | 7.609% | 0 pts ($0) | $1,250/mo | $43,808 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.427% | 7.469% | 0 pts ($0) | $1,357/mo | $46,733 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,156/mo | $39,180 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.839% | 7.218% | 0 pts ($0) | $1,241/mo | $44,813 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.932% | 6.972% | 0 pts ($0) | $1,291/mo | $43,816 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,612/mo | $38,445 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.067% | 6.840% | 0 pts ($0) | $1,159/mo | $40,751 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,184/mo | $41,446 |
FHA Streamline Refi | 0% | 640 credit score | 6.262% | 7.038% | 0 pts ($0) | $1,226/mo | $43,395 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.080% | 7.328% | 0 pts ($0) | $1,245/mo | $45,238 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,223/mo | $23,936 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.712% | 0 pts ($0) | $1,037/mo | $33,068 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,053/mo | $32,914 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,136/mo | $34,839 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.432% | 7.211% | 0 pts ($0) | $1,204/mo | $42,857 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $1,063/mo | $35,953 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,028/mo | $31,778 |
VA 0% Down | 0% | 700 credit score | 6.089% | 6.336% | 0 pts ($0) | $1,208/mo | $40,002 |
VA Cash-Out Refi | 0% | 640 credit score | 6.076% | 6.447% | 0 pts ($0) | $1,207/mo | $39,924 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.084% | 6.239% | 0 pts ($0) | $1,208/mo | $39,972 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,075/mo | $34,017 |
Frequently Asked Questions
What are today's mortgage rates in 72668, , AR across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 72668, , AR is 6.979% (with an estimated monthly payment of $1,644). Active program rates also include FHA 30-year fixed loans at 6.067% and VA 0%-down fixed loans at 6.089%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 72668, , AR?
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 72668, , AR have fluctuated between a low of 6.868% and a high of 7.125%. 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 72668, , AR?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $195,407 in 72668, , AR, a standard 20%-down Conventional loan requires an upfront cash down payment of $39,081 but keeps your monthly payment lower at $1,644/mo (at 6.979% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,839 (3.5% down) but has an estimated payment of $1,835/mo (at 6.067% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $188,568 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 72668 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 72668 is $806,501. With a typical local home value of $195,407 in , a standard 20%-down mortgage requires a loan size of $156,326. 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 72668, , AR impact estimated mortgage payments?
The median home value in 72668, , AR is estimated at $195,407. Buying a typical home here with a standard 20% down payment ($39,081) translates to an estimated starting monthly mortgage payment of $1,644 (principal and interest). Compared to the local area median household income of $39,581 ($3,298/mo), this basic housing payment represents approximately 49.8% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.