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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 | 6.865%APR 6.900% | 0 pts$0 | $874/moP&I $874 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.000%APR 6.769% | 0 pts$0 | $875/moP&I $812 · MI $62 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.940%APR 5.989% | 0 pts$0 | $793/moP&I $793 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.622%APR 6.662% | 0 pts$0 | $852/moP&I $852 · MI $0 | See details |
| Investment Property FixedConforming | 7.575%APR 7.615% | 0 pts$0 | $938/moP&I $938 · 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 | 5.940% | 5.989% | 0 pts ($0) | $1,120/mo | $22,213 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.058% | 6.119% | 0 pts ($0) | $1,410/mo | $31,582 |
Condo 10% Down | 10% | 720 credit score | 7.093% | 7.260% | 0 pts ($0) | $1,006/mo | $35,222 |
Conventional 10% Down | 10% | 720 credit score | 6.560% | 6.715% | 0 pts ($0) | $953/mo | $32,815 |
Conventional 20% Down | 20% | 740 credit score | 6.865% | 6.900% | 0 pts ($0) | $874/mo | $26,997 |
Conventional 5% Down | 5% | 700 credit score | 6.986% | 7.463% | 0 pts ($0) | $1,051/mo | $36,668 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.309% | 7.347% | 0 pts ($0) | $1,142/mo | $39,221 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $985/mo | $33,379 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.772% | 7.146% | 0 pts ($0) | $1,050/mo | $37,852 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.622% | 6.662% | 0 pts ($0) | $1,066/mo | $35,774 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,374/mo | $32,753 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.000% | 6.769% | 0 pts ($0) | $980/mo | $34,388 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,009/mo | $35,310 |
FHA Streamline Refi | 0% | 640 credit score | 6.143% | 6.914% | 0 pts ($0) | $1,031/mo | $36,363 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.959% | 7.202% | 0 pts ($0) | $1,048/mo | $37,963 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,041/mo | $20,391 |
Investment Property 25% Down | 25% | 740 credit score | 7.575% | 7.615% | 0 pts ($0) | $879/mo | $27,983 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $897/mo | $28,040 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $968/mo | $29,681 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.370% | 7.145% | 0 pts ($0) | $1,019/mo | $36,207 |
Second Home 10% Down | 10% | 720 credit score | 6.018% | 6.591% | 0 pts ($0) | $900/mo | $30,373 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $876/mo | $27,073 |
VA 0% Down | 0% | 700 credit score | 5.996% | 6.238% | 0 pts ($0) | $1,019/mo | $33,604 |
VA Cash-Out Refi | 0% | 640 credit score | 6.001% | 6.367% | 0 pts ($0) | $1,020/mo | $33,629 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.023% | 6.174% | 0 pts ($0) | $1,022/mo | $33,742 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $916/mo | $28,980 |
Frequently Asked Questions
What are today's mortgage rates in 73931, , OK across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 73931, , OK is 6.865% (with an estimated monthly payment of $2,625). Active program rates also include FHA 30-year fixed loans at 6.000% and VA 0%-down fixed loans at 5.996%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 73931, , OK?
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 73931, , OK have fluctuated between a low of 6.486% and a high of 6.947%. 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 73931, , OK?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $166,474 in 73931, , OK, a standard 20%-down Conventional loan requires an upfront cash down payment of $33,295 but keeps your monthly payment lower at $2,625/mo (at 6.865% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,827 (3.5% down) but has an estimated payment of $2,943/mo (at 6.000% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $160,647 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 73931 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 73931 is $806,501. With a typical local home value of $166,474 in , a standard 20%-down mortgage requires a loan size of $133,179. 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 73931, , OK impact estimated mortgage payments?
The median home value in 73931, , OK is estimated at $166,474. Buying a typical home here with a standard 20% down payment ($33,295) translates to an estimated starting monthly mortgage payment of $2,625 (principal and interest). Compared to the local area median household income of $54,531 ($4,544/mo), this basic housing payment represents approximately 57.8% 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.