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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 | 6.845%APR 6.879% | 0 pts$0 | $4,126/moP&I $4,126 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $4,127/moP&I $3,833 · MI $294 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.903%APR 5.951% | 0 pts$0 | $3,738/moP&I $3,738 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.883%APR 6.918% | 0 pts$0 | $4,142/moP&I $4,142 · MI $0 | See details |
| Investment Property FixedConforming | 7.540%APR 7.579% | 0 pts$0 | $4,423/moP&I $4,423 · 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 | 5.903% | 5.951% | 0 pts ($0) | $5,284/mo | $104,414 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.873% | 5.921% | 0 pts ($0) | $6,592/mo | $145,191 |
Condo 10% Down | 10% | 720 credit score | 7.057% | 7.222% | 0 pts ($0) | $4,743/mo | $165,860 |
Conventional 10% Down | 10% | 720 credit score | 6.534% | 6.687% | 0 pts ($0) | $4,496/mo | $154,692 |
Conventional 20% Down | 20% | 740 credit score | 6.845% | 6.879% | 0 pts ($0) | $4,126/mo | $127,339 |
Conventional 5% Down | 5% | 700 credit score | 6.969% | 7.445% | 0 pts ($0) | $4,962/mo | $173,090 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.288% | 7.325% | 0 pts ($0) | $5,393/mo | $185,050 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,661/mo | $157,911 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.747% | 7.120% | 0 pts ($0) | $4,953/mo | $178,499 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.883% | 6.918% | 0 pts ($0) | $5,178/mo | $175,433 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,499/mo | $154,951 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $4,624/mo | $162,105 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,772/mo | $167,046 |
FHA Streamline Refi | 0% | 640 credit score | 6.103% | 6.873% | 0 pts ($0) | $4,858/mo | $171,068 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.943% | 7.184% | 0 pts ($0) | $4,949/mo | $179,237 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,927/mo | $96,470 |
Investment Property 25% Down | 25% | 740 credit score | 7.540% | 7.579% | 0 pts ($0) | $4,146/mo | $131,761 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $4,245/mo | $132,656 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,579/mo | $140,416 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.343% | 7.117% | 0 pts ($0) | $4,808/mo | $170,662 |
Second Home 10% Down | 10% | 720 credit score | 5.989% | 6.561% | 0 pts ($0) | $4,245/mo | $143,073 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,143/mo | $128,079 |
VA 0% Down | 0% | 700 credit score | 5.972% | 6.213% | 0 pts ($0) | $4,809/mo | $158,395 |
VA Cash-Out Refi | 0% | 640 credit score | 5.979% | 6.344% | 0 pts ($0) | $4,813/mo | $158,564 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.994% | 6.144% | 0 pts ($0) | $4,820/mo | $158,926 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,334/mo | $137,103 |
Frequently Asked Questions
What are today's mortgage rates in 97225, West Haven-Sylvan, OR across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 97225, West Haven-Sylvan, OR is 6.845% (with an estimated monthly payment of $2,945). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at 5.972%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 97225, West Haven-Sylvan, OR?
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 97225, West Haven-Sylvan, OR have fluctuated between a low of 6.466% and a high of 6.927%. 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 97225, West Haven-Sylvan, OR?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $787,570 in 97225, West Haven-Sylvan, OR, a standard 20%-down Conventional loan requires an upfront cash down payment of $157,514 but keeps your monthly payment lower at $2,945/mo (at 6.845% interest) with no monthly PMI. In comparison, an FHA loan requires only $27,565 (3.5% down) but has an estimated payment of $3,301/mo (at 5.975% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $760,005 falls comfortably within the local HUD FHA loan limit of $905,705 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 97225 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 97225 is $806,501. With a typical local home value of $787,570 in West Haven-Sylvan, a standard 20%-down mortgage requires a loan size of $630,056. 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 97225, West Haven-Sylvan, OR impact estimated mortgage payments?
The median home value in 97225, West Haven-Sylvan, OR is estimated at $787,570. Buying a typical home here with a standard 20% down payment ($157,514) translates to an estimated starting monthly mortgage payment of $2,945 (principal and interest). Compared to the local area median household income of $117,051 ($9,754/mo), this basic housing payment represents approximately 30.2% 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.