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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 | 6.863%APR 6.898% | 0 pts$0 | $1,437/moP&I $1,437 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.997%APR 6.766% | 0 pts$0 | $1,437/moP&I $1,335 · MI $102 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.936%APR 5.985% | 0 pts$0 | $1,304/moP&I $1,304 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.826%APR 6.861% | 0 pts$0 | $1,431/moP&I $1,431 · MI $0 | See details |
| Investment Property FixedConforming | 7.571%APR 7.611% | 0 pts$0 | $1,542/moP&I $1,542 · 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 | 5.936% | 5.985% | 0 pts ($0) | $1,840/mo | $36,496 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.915% | 5.965% | 0 pts ($0) | $2,297/mo | $50,791 |
Condo 10% Down | 10% | 720 credit score | 7.089% | 7.255% | 0 pts ($0) | $1,654/mo | $57,879 |
Conventional 10% Down | 10% | 720 credit score | 6.557% | 6.711% | 0 pts ($0) | $1,566/mo | $53,930 |
Conventional 20% Down | 20% | 740 credit score | 6.863% | 6.898% | 0 pts ($0) | $1,437/mo | $44,373 |
Conventional 5% Down | 5% | 700 credit score | 6.984% | 7.461% | 0 pts ($0) | $1,727/mo | $60,271 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.307% | 7.345% | 0 pts ($0) | $1,878/mo | $64,467 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,620/mo | $54,879 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.769% | 7.143% | 0 pts ($0) | $1,725/mo | $62,209 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.826% | 6.861% | 0 pts ($0) | $1,789/mo | $60,498 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,259/mo | $53,850 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.997% | 6.766% | 0 pts ($0) | $1,611/mo | $56,514 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,658/mo | $58,053 |
FHA Streamline Refi | 0% | 640 credit score | 6.136% | 6.907% | 0 pts ($0) | $1,694/mo | $59,727 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.958% | 7.200% | 0 pts ($0) | $1,723/mo | $62,408 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,712/mo | $33,526 |
Investment Property 25% Down | 25% | 740 credit score | 7.571% | 7.611% | 0 pts ($0) | $1,445/mo | $45,983 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,475/mo | $46,102 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,591/mo | $48,799 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.372% | 7.147% | 0 pts ($0) | $1,676/mo | $59,544 |
Second Home 10% Down | 10% | 720 credit score | 6.014% | 6.587% | 0 pts ($0) | $1,479/mo | $49,907 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,440/mo | $44,511 |
VA 0% Down | 0% | 700 credit score | 5.994% | 6.236% | 0 pts ($0) | $1,675/mo | $55,231 |
VA Cash-Out Refi | 0% | 640 credit score | 5.998% | 6.364% | 0 pts ($0) | $1,676/mo | $55,265 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.020% | 6.171% | 0 pts ($0) | $1,680/mo | $55,450 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,506/mo | $47,647 |
Frequently Asked Questions
What are today's mortgage rates in Anaconda-Deer Lodge County, MT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Anaconda-Deer Lodge County, MT is 6.863% (with an estimated monthly payment of $2,656). Active program rates also include FHA 30-year fixed loans at 5.997% and VA 0%-down fixed loans at 5.994%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Anaconda-Deer Lodge County, MT?
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 Anaconda-Deer Lodge County, MT have fluctuated between a low of 6.484% and a high of 6.945%. 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 Anaconda-Deer Lodge County, MT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $273,703 in Anaconda-Deer Lodge County, MT, a standard 20%-down Conventional loan requires an upfront cash down payment of $54,741 but keeps your monthly payment lower at $2,656/mo (at 6.863% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,580 (3.5% down) but has an estimated payment of $2,978/mo (at 5.997% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $264,123 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 Anaconda-Deer Lodge County before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Anaconda-Deer Lodge County is $806,501. With a typical local home value of $273,703 in , a standard 20%-down mortgage requires a loan size of $218,962. 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 Anaconda-Deer Lodge County, MT impact estimated mortgage payments?
The median home value in Anaconda-Deer Lodge County, MT is estimated at $273,703. Buying a typical home here with a standard 20% down payment ($54,741) translates to an estimated starting monthly mortgage payment of $2,656 (principal and interest). Compared to the local area median household income of $57,887 ($4,824/mo), this basic housing payment represents approximately 55.1% 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.