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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 | 6.859%APR 6.894% | 0 pts$0 | $2,472/moP&I $2,472 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.993%APR 6.762% | 0 pts$0 | $2,474/moP&I $2,298 · MI $176 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.929%APR 5.978% | 0 pts$0 | $2,243/moP&I $2,243 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.753%APR 6.789% | 0 pts$0 | $2,446/moP&I $2,446 · MI $0 | See details |
| Investment Property FixedConforming | 7.565%APR 7.605% | 0 pts$0 | $2,653/moP&I $2,653 · 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 | 5.929% | 5.978% | 0 pts ($0) | $3,166/mo | $62,752 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.972% | 6.024% | 0 pts ($0) | $3,969/mo | $88,215 |
Condo 10% Down | 10% | 720 credit score | 7.083% | 7.249% | 0 pts ($0) | $2,845/mo | $99,564 |
Conventional 10% Down | 10% | 720 credit score | 6.553% | 6.707% | 0 pts ($0) | $2,695/mo | $92,792 |
Conventional 20% Down | 20% | 740 credit score | 6.859% | 6.894% | 0 pts ($0) | $2,472/mo | $76,344 |
Conventional 5% Down | 5% | 700 credit score | 6.981% | 7.458% | 0 pts ($0) | $2,972/mo | $103,719 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.303% | 7.341% | 0 pts ($0) | $3,231/mo | $110,925 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,788/mo | $94,476 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.765% | 7.139% | 0 pts ($0) | $2,969/mo | $107,041 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.753% | 6.789% | 0 pts ($0) | $3,057/mo | $103,113 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,888/mo | $92,705 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.993% | 6.762% | 0 pts ($0) | $2,772/mo | $97,235 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,855/mo | $99,941 |
FHA Streamline Refi | 0% | 640 credit score | 6.124% | 6.895% | 0 pts ($0) | $2,913/mo | $102,650 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.955% | 7.197% | 0 pts ($0) | $2,965/mo | $107,396 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,948/mo | $57,716 |
Investment Property 25% Down | 25% | 740 credit score | 7.565% | 7.605% | 0 pts ($0) | $2,487/mo | $79,097 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,540/mo | $79,366 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,740/mo | $84,009 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.367% | 7.142% | 0 pts ($0) | $2,884/mo | $102,438 |
Second Home 10% Down | 10% | 720 credit score | 6.008% | 6.581% | 0 pts ($0) | $2,545/mo | $85,840 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,479/mo | $76,628 |
VA 0% Down | 0% | 700 credit score | 5.989% | 6.231% | 0 pts ($0) | $2,882/mo | $95,011 |
VA Cash-Out Refi | 0% | 640 credit score | 5.997% | 6.363% | 0 pts ($0) | $2,885/mo | $95,126 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.013% | 6.164% | 0 pts ($0) | $2,890/mo | $95,358 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,593/mo | $82,026 |
Frequently Asked Questions
What are today's mortgage rates in 99009, , WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 99009, , WA is 6.859% (with an estimated monthly payment of $2,708). Active program rates also include FHA 30-year fixed loans at 5.993% and VA 0%-down fixed loans at 5.989%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 99009, , WA?
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 99009, , WA have fluctuated between a low of 6.480% and a high of 6.941%. 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 99009, , WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $471,190 in 99009, , WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $94,238 but keeps your monthly payment lower at $2,708/mo (at 6.859% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,492 (3.5% down) but has an estimated payment of $3,036/mo (at 5.993% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $454,698 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 99009 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 99009 is $806,501. With a typical local home value of $471,190 in , a standard 20%-down mortgage requires a loan size of $376,952. 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 99009, , WA impact estimated mortgage payments?
The median home value in 99009, , WA is estimated at $471,190. Buying a typical home here with a standard 20% down payment ($94,238) translates to an estimated starting monthly mortgage payment of $2,708 (principal and interest). Compared to the local area median household income of $79,010 ($6,584/mo), this basic housing payment represents approximately 41.1% 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.