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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 | 6.822%APR 6.855% | 0 pts$0 | $2,697/moP&I $2,697 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $2,704/moP&I $2,511 · MI $192 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.868%APR 5.915% | 0 pts$0 | $2,440/moP&I $2,440 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.551%APR 6.584% | 0 pts$0 | $2,623/moP&I $2,623 · MI $0 | See details |
| Investment Property FixedConforming | 7.499%APR 7.537% | 0 pts$0 | $2,886/moP&I $2,886 · 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 | 5.868% | 5.915% | 0 pts ($0) | $3,454/mo | $67,987 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.873% | 5.921% | 0 pts ($0) | $4,319/mo | $95,119 |
Condo 10% Down | 10% | 720 credit score | 7.015% | 7.178% | 0 pts ($0) | $3,094/mo | $108,072 |
Conventional 10% Down | 10% | 720 credit score | 6.504% | 6.656% | 0 pts ($0) | $2,936/mo | $100,924 |
Conventional 20% Down | 20% | 740 credit score | 6.822% | 6.855% | 0 pts ($0) | $2,697/mo | $83,137 |
Conventional 5% Down | 5% | 700 credit score | 6.949% | 7.422% | 0 pts ($0) | $3,244/mo | $113,101 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.263% | 7.299% | 0 pts ($0) | $3,524/mo | $120,843 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,053/mo | $103,452 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.674% | 7.044% | 0 pts ($0) | $3,221/mo | $115,840 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.551% | 6.584% | 0 pts ($0) | $3,279/mo | $109,772 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,258/mo | $101,513 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $3,029/mo | $106,200 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,126/mo | $109,437 |
FHA Streamline Refi | 0% | 640 credit score | 6.104% | 6.874% | 0 pts ($0) | $3,183/mo | $112,087 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.923% | 7.164% | 0 pts ($0) | $3,236/mo | $117,128 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,228/mo | $63,200 |
Investment Property 25% Down | 25% | 740 credit score | 7.499% | 7.537% | 0 pts ($0) | $2,705/mo | $85,842 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,781/mo | $86,907 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,000/mo | $91,991 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.344% | 7.118% | 0 pts ($0) | $3,150/mo | $111,821 |
Second Home 10% Down | 10% | 720 credit score | 7.491% | 7.663% | 0 pts ($0) | $3,244/mo | $114,739 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,714/mo | $83,909 |
VA 0% Down | 0% | 700 credit score | 5.943% | 6.183% | 0 pts ($0) | $3,141/mo | $103,310 |
VA Cash-Out Refi | 0% | 640 credit score | 5.949% | 6.313% | 0 pts ($0) | $3,143/mo | $103,405 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.962% | 6.111% | 0 pts ($0) | $3,147/mo | $103,611 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,839/mo | $89,820 |
Frequently Asked Questions
What are today's mortgage rates in 97413, , OR across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 97413, , OR is 6.822% (with an estimated monthly payment of $3,449). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at 5.943%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 97413, , 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 97413, , OR have fluctuated between a low of 6.442% and a high of 6.902%. 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 97413, , OR?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $515,961 in 97413, , OR, a standard 20%-down Conventional loan requires an upfront cash down payment of $103,192 but keeps your monthly payment lower at $3,449/mo (at 6.822% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,059 (3.5% down) but has an estimated payment of $3,293/mo (at 5.975% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $497,902 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 97413 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 97413 is $806,501. With a typical local home value of $515,961 in , a standard 20%-down mortgage requires a loan size of $412,769. 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 97413, , OR impact estimated mortgage payments?
The median home value in 97413, , OR is estimated at $515,961. Buying a typical home here with a standard 20% down payment ($103,192) translates to an estimated starting monthly mortgage payment of $3,449 (principal and interest). Compared to the local area median household income of $85,471 ($7,123/mo), this basic housing payment represents approximately 48.4% 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.