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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 | 6.881%APR 6.917% | 0 pts$0 | $2,517/moP&I $2,517 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.016%APR 6.785% | 0 pts$0 | $2,519/moP&I $2,340 · MI $179 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.963%APR 6.013% | 0 pts$0 | $2,287/moP&I $2,287 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.760%APR 6.796% | 0 pts$0 | $2,486/moP&I $2,486 · MI $0 | See details |
| Investment Property FixedConforming | 7.596%APR 7.637% | 0 pts$0 | $2,703/moP&I $2,703 · 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 | 5.963% | 6.013% | 0 pts ($0) | $3,224/mo | $64,127 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.987% | 6.040% | 0 pts ($0) | $4,036/mo | $89,825 |
Condo 10% Down | 10% | 720 credit score | 7.115% | 7.282% | 0 pts ($0) | $2,900/mo | $101,562 |
Conventional 10% Down | 10% | 720 credit score | 6.576% | 6.731% | 0 pts ($0) | $2,745/mo | $94,565 |
Conventional 20% Down | 20% | 740 credit score | 6.881% | 6.917% | 0 pts ($0) | $2,517/mo | $77,811 |
Conventional 5% Down | 5% | 700 credit score | 6.996% | 7.473% | 0 pts ($0) | $3,024/mo | $105,573 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.322% | 7.360% | 0 pts ($0) | $3,289/mo | $112,963 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,833/mo | $95,977 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.787% | 7.162% | 0 pts ($0) | $3,023/mo | $109,050 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.760% | 6.796% | 0 pts ($0) | $3,108/mo | $104,853 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,950/mo | $94,178 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.016% | 6.785% | 0 pts ($0) | $2,823/mo | $99,106 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,900/mo | $101,529 |
FHA Streamline Refi | 0% | 640 credit score | 6.184% | 6.956% | 0 pts ($0) | $2,978/mo | $105,160 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.970% | 7.213% | 0 pts ($0) | $3,016/mo | $109,309 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,995/mo | $58,634 |
Investment Property 25% Down | 25% | 740 credit score | 7.596% | 7.637% | 0 pts ($0) | $2,534/mo | $80,690 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,580/mo | $80,628 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,783/mo | $85,344 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.388% | 7.164% | 0 pts ($0) | $2,936/mo | $104,363 |
Second Home 10% Down | 10% | 720 credit score | 6.040% | 6.614% | 0 pts ($0) | $2,594/mo | $87,619 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,518/mo | $77,846 |
VA 0% Down | 0% | 700 credit score | 6.011% | 6.254% | 0 pts ($0) | $2,935/mo | $96,844 |
VA Cash-Out Refi | 0% | 640 credit score | 6.022% | 6.389% | 0 pts ($0) | $2,939/mo | $97,006 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.046% | 6.198% | 0 pts ($0) | $2,946/mo | $97,359 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,634/mo | $83,330 |
Frequently Asked Questions
What are today's mortgage rates in 86329, Dewey-Humboldt, AZ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 86329, Dewey-Humboldt, AZ is 6.881% (with an estimated monthly payment of $2,461). Active program rates also include FHA 30-year fixed loans at 6.016% and VA 0%-down fixed loans at 6.011%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 86329, Dewey-Humboldt, 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 86329, Dewey-Humboldt, AZ have fluctuated between a low of 6.499% and a high of 6.959%. 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 86329, Dewey-Humboldt, AZ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $478,680 in 86329, Dewey-Humboldt, AZ, a standard 20%-down Conventional loan requires an upfront cash down payment of $95,736 but keeps your monthly payment lower at $2,461/mo (at 6.881% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,754 (3.5% down) but has an estimated payment of $2,760/mo (at 6.016% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $461,926 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 86329 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 86329 is $806,501. With a typical local home value of $478,680 in Dewey-Humboldt, a standard 20%-down mortgage requires a loan size of $382,944. 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 86329, Dewey-Humboldt, AZ impact estimated mortgage payments?
The median home value in 86329, Dewey-Humboldt, AZ is estimated at $478,680. Buying a typical home here with a standard 20% down payment ($95,736) translates to an estimated starting monthly mortgage payment of $2,461 (principal and interest). Compared to the local area median household income of $71,350 ($5,946/mo), this basic housing payment represents approximately 41.4% 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.