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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 | 6.889%APR 6.925% | 0 pts$0 | $2,450/moP&I $2,450 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.029%APR 6.799% | 0 pts$0 | $2,453/moP&I $2,279 · MI $174 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.977%APR 6.027% | 0 pts$0 | $2,228/moP&I $2,228 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.842%APR 6.878% | 0 pts$0 | $2,439/moP&I $2,439 · MI $0 | See details |
| Investment Property FixedConforming | 7.609%APR 7.650% | 0 pts$0 | $2,632/moP&I $2,632 · 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 | 5.977% | 6.027% | 0 pts ($0) | $3,139/mo | $62,527 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.946% | 5.997% | 0 pts ($0) | $3,915/mo | $86,820 |
Condo 10% Down | 10% | 720 credit score | 7.125% | 7.293% | 0 pts ($0) | $2,823/mo | $98,915 |
Conventional 10% Down | 10% | 720 credit score | 6.585% | 6.740% | 0 pts ($0) | $2,672/mo | $92,096 |
Conventional 20% Down | 20% | 740 credit score | 6.889% | 6.925% | 0 pts ($0) | $2,450/mo | $75,776 |
Conventional 5% Down | 5% | 700 credit score | 6.999% | 7.477% | 0 pts ($0) | $2,943/mo | $102,730 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.330% | 7.369% | 0 pts ($0) | $3,202/mo | $109,991 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,755/mo | $93,356 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.796% | 7.171% | 0 pts ($0) | $2,943/mo | $106,194 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.842% | 6.878% | 0 pts ($0) | $3,048/mo | $103,140 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,842/mo | $91,606 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.029% | 6.799% | 0 pts ($0) | $2,750/mo | $96,578 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,821/mo | $98,757 |
FHA Streamline Refi | 0% | 640 credit score | 6.210% | 6.983% | 0 pts ($0) | $2,905/mo | $102,659 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.976% | 7.220% | 0 pts ($0) | $2,936/mo | $106,404 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,913/mo | $57,033 |
Investment Property 25% Down | 25% | 740 credit score | 7.609% | 7.650% | 0 pts ($0) | $2,468/mo | $78,624 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,510/mo | $78,426 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,707/mo | $83,013 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.399% | 7.175% | 0 pts ($0) | $2,859/mo | $101,665 |
Second Home 10% Down | 10% | 720 credit score | 6.054% | 6.629% | 0 pts ($0) | $2,527/mo | $85,403 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,449/mo | $75,720 |
VA 0% Down | 0% | 700 credit score | 6.023% | 6.266% | 0 pts ($0) | $2,859/mo | $94,371 |
VA Cash-Out Refi | 0% | 640 credit score | 6.035% | 6.403% | 0 pts ($0) | $2,862/mo | $94,543 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.060% | 6.212% | 0 pts ($0) | $2,870/mo | $94,900 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,562/mo | $81,055 |
Frequently Asked Questions
What are today's mortgage rates in 99401, Clarkston Heights-Vineland, WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 99401, Clarkston Heights-Vineland, WA is 6.889% (with an estimated monthly payment of $2,369). Active program rates also include FHA 30-year fixed loans at 6.029% and VA 0%-down fixed loans at 6.023%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 99401, Clarkston Heights-Vineland, 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 99401, Clarkston Heights-Vineland, WA have fluctuated between a low of 6.504% and a high of 6.967%. 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 99401, Clarkston Heights-Vineland, WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $465,608 in 99401, Clarkston Heights-Vineland, WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $93,122 but keeps your monthly payment lower at $2,369/mo (at 6.889% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,296 (3.5% down) but has an estimated payment of $2,658/mo (at 6.029% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $449,312 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 99401 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 99401 is $806,501. With a typical local home value of $465,608 in Clarkston Heights-Vineland, a standard 20%-down mortgage requires a loan size of $372,486. 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 99401, Clarkston Heights-Vineland, WA impact estimated mortgage payments?
The median home value in 99401, Clarkston Heights-Vineland, WA is estimated at $465,608. Buying a typical home here with a standard 20% down payment ($93,122) translates to an estimated starting monthly mortgage payment of $2,369 (principal and interest). Compared to the local area median household income of $87,063 ($7,255/mo), this basic housing payment represents approximately 32.6% 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.