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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 | 7.039%APR 7.080% | 0 pts$0 | $1,054/moP&I $1,054 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.083%APR 6.857% | 0 pts$0 | $1,044/moP&I $971 · MI $74 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.292%APR 6.352% | 0 pts$0 | $976/moP&I $976 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.891%APR 6.932% | 0 pts$0 | $1,038/moP&I $1,038 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.690% | 0 pts$0 | $1,117/moP&I $1,117 · 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 | 6.292% | 6.352% | 0 pts ($0) | $1,356/mo | $27,921 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.029% | 6.089% | 0 pts ($0) | $1,667/mo | $37,242 |
Condo 10% Down | 10% | 720 credit score | 7.259% | 7.434% | 0 pts ($0) | $1,212/mo | $42,608 |
Conventional 10% Down | 10% | 720 credit score | 6.842% | 7.006% | 0 pts ($0) | $1,162/mo | $40,377 |
Conventional 20% Down | 20% | 740 credit score | 7.039% | 7.080% | 0 pts ($0) | $1,054/mo | $32,805 |
Conventional 5% Down | 5% | 700 credit score | 7.232% | 7.723% | 0 pts ($0) | $1,276/mo | $44,823 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.483% | 7.527% | 0 pts ($0) | $1,376/mo | $47,492 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,167/mo | $39,537 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.853% | 7.234% | 0 pts ($0) | $1,254/mo | $45,302 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.891% | 6.932% | 0 pts ($0) | $1,297/mo | $43,971 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,627/mo | $38,796 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.083% | 6.857% | 0 pts ($0) | $1,171/mo | $41,215 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,195/mo | $41,824 |
FHA Streamline Refi | 0% | 640 credit score | 6.278% | 7.056% | 0 pts ($0) | $1,239/mo | $43,887 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.155% | 7.406% | 0 pts ($0) | $1,266/mo | $46,074 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,234/mo | $24,154 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.690% | 0 pts ($0) | $1,047/mo | $33,369 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,063/mo | $33,214 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,147/mo | $35,157 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.446% | 7.227% | 0 pts ($0) | $1,217/mo | $43,329 |
Second Home 10% Down | 10% | 720 credit score | 6.084% | 6.664% | 0 pts ($0) | $1,074/mo | $36,328 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,037/mo | $32,068 |
VA 0% Down | 0% | 700 credit score | 6.087% | 6.335% | 0 pts ($0) | $1,219/mo | $40,354 |
VA Cash-Out Refi | 0% | 640 credit score | 6.092% | 6.465% | 0 pts ($0) | $1,220/mo | $40,384 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.110% | 6.266% | 0 pts ($0) | $1,222/mo | $40,493 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,085/mo | $34,327 |
Frequently Asked Questions
What are today's mortgage rates in 86409, New Kingman-Butler, AZ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 86409, New Kingman-Butler, AZ is 7.039% (with an estimated monthly payment of $1,420). Active program rates also include FHA 30-year fixed loans at 6.083% and VA 0%-down fixed loans at 6.087%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 86409, New Kingman-Butler, 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 86409, New Kingman-Butler, AZ have fluctuated between a low of 6.925% and a high of 7.184%. 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 86409, New Kingman-Butler, AZ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $197,187 in 86409, New Kingman-Butler, AZ, a standard 20%-down Conventional loan requires an upfront cash down payment of $39,437 but keeps your monthly payment lower at $1,420/mo (at 7.039% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,902 (3.5% down) but has an estimated payment of $1,578/mo (at 6.083% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $190,285 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 86409 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 86409 is $806,501. With a typical local home value of $197,187 in New Kingman-Butler, a standard 20%-down mortgage requires a loan size of $157,750. 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 86409, New Kingman-Butler, AZ impact estimated mortgage payments?
The median home value in 86409, New Kingman-Butler, AZ is estimated at $197,187. Buying a typical home here with a standard 20% down payment ($39,437) translates to an estimated starting monthly mortgage payment of $1,420 (principal and interest). Compared to the local area median household income of $51,409 ($4,284/mo), this basic housing payment represents approximately 33.1% 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.