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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 | 6.835%APR 6.869% | 0 pts$0 | $4,994/moP&I $4,994 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.962%APR 6.729% | 0 pts$0 | $4,993/moP&I $4,637 · MI $356 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.883%APR 5.930% | 0 pts$0 | $4,519/moP&I $4,519 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.868%APR 6.902% | 0 pts$0 | $5,010/moP&I $5,010 · MI $0 | See details |
| Investment Property FixedConforming | 7.523%APR 7.562% | 0 pts$0 | $5,349/moP&I $5,349 · 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 | 5.883% | 5.930% | 0 pts ($0) | $6,392/mo | $126,042 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.862% | 5.909% | 0 pts ($0) | $7,980/mo | $175,577 |
Condo 10% Down | 10% | 720 credit score | 7.039% | 7.203% | 0 pts ($0) | $5,735/mo | $200,452 |
Conventional 10% Down | 10% | 720 credit score | 6.521% | 6.673% | 0 pts ($0) | $5,439/mo | $187,053 |
Conventional 20% Down | 20% | 740 credit score | 6.835% | 6.869% | 0 pts ($0) | $4,994/mo | $154,025 |
Conventional 5% Down | 5% | 700 credit score | 6.960% | 7.436% | 0 pts ($0) | $6,006/mo | $209,430 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.277% | 7.314% | 0 pts ($0) | $6,526/mo | $223,848 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $5,712/mo | $194,265 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.721% | 7.092% | 0 pts ($0) | $5,984/mo | $215,504 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.868% | 6.902% | 0 pts ($0) | $6,263/mo | $212,083 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,873/mo | $187,703 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.962% | 6.729% | 0 pts ($0) | $5,593/mo | $196,004 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,780/mo | $202,355 |
FHA Streamline Refi | 0% | 640 credit score | 6.086% | 6.856% | 0 pts ($0) | $5,874/mo | $206,730 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.934% | 7.175% | 0 pts ($0) | $5,990/mo | $216,877 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,969/mo | $116,861 |
Investment Property 25% Down | 25% | 740 credit score | 7.523% | 7.562% | 0 pts ($0) | $5,014/mo | $159,244 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $5,078/mo | $157,820 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $5,547/mo | $170,096 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.326% | 7.099% | 0 pts ($0) | $5,814/mo | $206,256 |
Second Home 10% Down | 10% | 720 credit score | 5.976% | 6.548% | 0 pts ($0) | $5,135/mo | $172,979 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,018/mo | $155,152 |
VA 0% Down | 0% | 700 credit score | 5.960% | 6.201% | 0 pts ($0) | $5,818/mo | $191,523 |
VA Cash-Out Refi | 0% | 640 credit score | 5.966% | 6.331% | 0 pts ($0) | $5,822/mo | $191,699 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.980% | 6.130% | 0 pts ($0) | $5,830/mo | $192,109 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $5,250/mo | $166,083 |
Frequently Asked Questions
What are today's mortgage rates in 96704, Honaunau-Napoopoo, HI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 96704, Honaunau-Napoopoo, HI is 6.835% (with an estimated monthly payment of $3,142). Active program rates also include FHA 30-year fixed loans at 5.962% and VA 0%-down fixed loans at 5.960%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 96704, Honaunau-Napoopoo, HI?
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 96704, Honaunau-Napoopoo, HI have fluctuated between a low of 6.456% and a high of 6.916%. 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 96704, Honaunau-Napoopoo, HI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $954,040 in 96704, Honaunau-Napoopoo, HI, a standard 20%-down Conventional loan requires an upfront cash down payment of $190,808 but keeps your monthly payment lower at $3,142/mo (at 6.835% interest) with no monthly PMI. In comparison, an FHA loan requires only $33,391 (3.5% down) but has an estimated payment of $3,520/mo (at 5.962% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $920,649 falls comfortably within the local HUD FHA loan limit of $1,097,146 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 96704 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 96704 is $806,501. With a typical local home value of $954,040 in Honaunau-Napoopoo, a standard 20%-down mortgage requires a loan size of $763,232. 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 96704, Honaunau-Napoopoo, HI impact estimated mortgage payments?
The median home value in 96704, Honaunau-Napoopoo, HI is estimated at $954,040. Buying a typical home here with a standard 20% down payment ($190,808) translates to an estimated starting monthly mortgage payment of $3,142 (principal and interest). Compared to the local area median household income of $81,814 ($6,818/mo), this basic housing payment represents approximately 46.1% 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.