Select your Scenario
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.
See Safe Rate's top scoring lenders for North Rim
We rank active North Rim lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.933%APR 6.970% | 0 pts$0 | $2,247/moP&I $2,247 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.949%APR 6.719% | 0 pts$0 | $2,221/moP&I $2,063 · MI $159 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.059%APR 6.112% | 0 pts$0 | $2,051/moP&I $2,051 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.950%APR 6.987% | 0 pts$0 | $2,251/moP&I $2,251 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.686% | 0 pts$0 | $2,406/moP&I $2,406 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 6.059% | 6.112% | 0 pts ($0) | $2,880/mo | $57,881 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.993% | 6.046% | 0 pts ($0) | $3,585/mo | $79,826 |
Condo 10% Down | 10% | 720 credit score | 7.252% | 7.424% | 0 pts ($0) | $2,610/mo | $91,753 |
Conventional 10% Down | 10% | 720 credit score | 6.760% | 6.920% | 0 pts ($0) | $2,483/mo | $86,080 |
Conventional 20% Down | 20% | 740 credit score | 6.933% | 6.970% | 0 pts ($0) | $2,247/mo | $69,618 |
Conventional 5% Down | 5% | 700 credit score | 7.059% | 7.541% | 0 pts ($0) | $2,702/mo | $94,501 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.373% | 7.413% | 0 pts ($0) | $2,935/mo | $100,949 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,515/mo | $85,214 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.826% | 7.204% | 0 pts ($0) | $2,695/mo | $97,305 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.950% | 6.987% | 0 pts ($0) | $2,813/mo | $95,528 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,507/mo | $83,617 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.949% | 6.719% | 0 pts ($0) | $2,488/mo | $87,152 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,575/mo | $90,144 |
FHA Streamline Refi | 0% | 640 credit score | 6.069% | 6.841% | 0 pts ($0) | $2,612/mo | $91,872 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.017% | 7.262% | 0 pts ($0) | $2,691/mo | $97,623 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,659/mo | $52,058 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.686% | 0 pts ($0) | $2,256/mo | $71,920 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,291/mo | $71,586 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,471/mo | $75,773 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.309% | 7.085% | 0 pts ($0) | $2,585/mo | $91,668 |
Second Home 10% Down | 10% | 720 credit score | 5.954% | 6.528% | 0 pts ($0) | $2,282/mo | $76,805 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,236/mo | $69,116 |
VA 0% Down | 0% | 700 credit score | 6.071% | 6.316% | 0 pts ($0) | $2,623/mo | $86,767 |
VA Cash-Out Refi | 0% | 640 credit score | 6.075% | 6.445% | 0 pts ($0) | $2,624/mo | $86,819 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.081% | 6.234% | 0 pts ($0) | $2,626/mo | $86,897 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,339/mo | $73,985 |
Frequently Asked Questions
What are today's mortgage rates in 86052, , AZ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 86052, , AZ is 6.933% (with an estimated monthly payment of $1,949). Active program rates also include FHA 30-year fixed loans at 5.949% and VA 0%-down fixed loans at 6.071%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 86052, , AZ?
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 86052, , AZ have fluctuated between a low of 6.577% and a high of 7.022%. 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 86052, , AZ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $400,000 in 86052, , AZ, a standard 20%-down Conventional loan requires an upfront cash down payment of $80,000 but keeps your monthly payment lower at $1,949/mo (at 6.933% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,000 (3.5% down) but has an estimated payment of $2,159/mo (at 5.949% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $386,000 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 86052 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 86052 is $806,501. With a typical local home value of $400,000 in , a standard 20%-down mortgage requires a loan size of $320,000. 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 86052, , AZ impact estimated mortgage payments?
The median home value in 86052, , AZ is estimated at $400,000. Buying a typical home here with a standard 20% down payment ($80,000) translates to an estimated starting monthly mortgage payment of $1,949 (principal and interest). This serves as a key indicator of market entry costs, with property taxes and homeowners insurance contributing additional monthly escrow amounts.