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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 | 6.965%APR 7.004% | 0 pts$0 | $996/moP&I $996 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.959%APR 6.730% | 0 pts$0 | $983/moP&I $913 · MI $70 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.125%APR 6.180% | 0 pts$0 | $913/moP&I $913 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.978%APR 7.017% | 0 pts$0 | $998/moP&I $998 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.704% | 0 pts$0 | $1,064/moP&I $1,064 · 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 | 6.125% | 6.180% | 0 pts ($0) | $1,278/mo | $25,869 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.044% | 6.099% | 0 pts ($0) | $1,590/mo | $35,558 |
Condo 10% Down | 10% | 720 credit score | 7.291% | 7.465% | 0 pts ($0) | $1,158/mo | $40,751 |
Conventional 10% Down | 10% | 720 credit score | 6.788% | 6.949% | 0 pts ($0) | $1,101/mo | $38,187 |
Conventional 20% Down | 20% | 740 credit score | 6.965% | 7.004% | 0 pts ($0) | $996/mo | $30,914 |
Conventional 5% Down | 5% | 700 credit score | 7.104% | 7.587% | 0 pts ($0) | $1,200/mo | $42,008 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.411% | 7.453% | 0 pts ($0) | $1,302/mo | $44,832 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,112/mo | $37,662 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.835% | 7.214% | 0 pts ($0) | $1,192/mo | $43,055 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.978% | 7.017% | 0 pts ($0) | $1,247/mo | $42,379 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,550/mo | $36,956 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.959% | 6.730% | 0 pts ($0) | $1,101/mo | $38,574 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,138/mo | $39,841 |
FHA Streamline Refi | 0% | 640 credit score | 6.082% | 6.855% | 0 pts ($0) | $1,156/mo | $40,679 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.062% | 7.310% | 0 pts ($0) | $1,195/mo | $43,388 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,175/mo | $23,008 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.704% | 0 pts ($0) | $997/mo | $31,786 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,012/mo | $31,639 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,092/mo | $33,489 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.322% | 7.099% | 0 pts ($0) | $1,144/mo | $40,586 |
Second Home 10% Down | 10% | 720 credit score | 6.070% | 6.648% | 0 pts ($0) | $1,021/mo | $34,534 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $988/mo | $30,547 |
VA 0% Down | 0% | 700 credit score | 6.084% | 6.330% | 0 pts ($0) | $1,161/mo | $38,423 |
VA Cash-Out Refi | 0% | 640 credit score | 6.087% | 6.458% | 0 pts ($0) | $1,161/mo | $38,440 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.078% | 6.232% | 0 pts ($0) | $1,160/mo | $38,388 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,034/mo | $32,699 |
Frequently Asked Questions
What are today's mortgage rates in Campbell-Tintah Public, MN across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Campbell-Tintah Public, MN is 6.965% (with an estimated monthly payment of $1,724). Active program rates also include FHA 30-year fixed loans at 5.959% and VA 0%-down fixed loans at 6.084%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Campbell-Tintah Public, MN?
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 Campbell-Tintah Public, MN have fluctuated between a low of 6.853% and a high of 7.094%. 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 Campbell-Tintah Public, MN?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $187,836 in Campbell-Tintah Public, MN, a standard 20%-down Conventional loan requires an upfront cash down payment of $37,567 but keeps your monthly payment lower at $1,724/mo (at 6.965% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,574 (3.5% down) but has an estimated payment of $1,905/mo (at 5.959% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $181,262 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 Campbell-Tintah Public before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Campbell-Tintah Public is $806,501. With a typical local home value of $187,836 in , a standard 20%-down mortgage requires a loan size of $150,269. 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 Campbell-Tintah Public, MN impact estimated mortgage payments?
The median home value in Campbell-Tintah Public, MN is estimated at $187,836. Buying a typical home here with a standard 20% down payment ($37,567) translates to an estimated starting monthly mortgage payment of $1,724 (principal and interest). Compared to the local area median household income of $76,406 ($6,367/mo), this basic housing payment represents approximately 27.1% 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.