Safe Rate Local
See today's rates filtered to your situation — updated daily.
3–20% down · 620+ credit · no upfront MIP
3.5% down · 580+ credit · gov't-backed
0% down · no PMI · veterans & active duty
Above conforming limits · 740+ credit
FHA, HomeReady & low-down-payment options
Rate/term, cash-out, FHA Streamline, VA IRRRL
| Product | Rate / APR ↑ | Mo. Payment ↕ | Points | ||
|---|---|---|---|---|---|
20% Down Conv. Conventional purchase, 20% down | 20% Down740 FICO30-yr | 7.570% 7.617% APR | $674 Principal & Interest | $0 Points | |
Why choose this product?Understanding the pros and cons of the 20% Down Conv.. Motivation Avoid mortgage insurance entirely. Strengths Lowest monthly payment, no PMI, and often the best pricing tier. Limitations Requires a substantial amount of cash upfront for the down payment. 14-Day Rate TrendLowest 7.390% Highest 7.570% Today 7.570% | |||||
Lower Credit FHA FHA for buyers with lower credit scores +$53/mo MI | 3.5% Down580 FICO30-yr | 6.465% 7.248% APR | $740 Principal & Interest | $0 Points | |
FHA 3.5% Down FHA purchase, 3.5% down +$53/mo MI | 3.5% Down680 FICO30-yr | 6.519% 7.303% APR | $744 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$53/mo MI | 0% Down640 FICO30-yr | 6.519% 7.303% APR | $744 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.531% 7.125% APR | $695 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.614% 6.874% APR | $782 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.622% 7.012% APR | $764 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.625% 6.791% APR | $698 Principal & Interest | $0 Points | |
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.763% 6.836% APR | $855 Principal & Interest | $0 Points | |
Jumbo Jumbo loan above conforming limits | 20% Down760 FICO30-yr | 6.875% 6.988% APR | $5,536 Principal & Interest | $0 Points | |
HomeReady Fannie Mae HomeReady, low-income buyers +$68/mo MI | 3% Down660 FICO30-yr | 6.920% 7.304% APR | $766 Principal & Interest | $0 Points | |
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 6.930% 7.000% APR | $857 Principal & Interest | $0 Points | |
10% Down Conv. Conventional purchase, 10% down +$72/mo MI | 10% Down720 FICO30-yr | 7.249% 7.423% APR | $735 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$76/mo MI | 5% Down680 FICO30-yr | 7.295% 7.551% APR | $779 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$76/mo MI | 5% Down700 FICO30-yr | 7.324% 7.819% APR | $781 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.548% 7.604% APR | $679 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.625% 7.816% APR | $678 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$65/mo MI | 10% Down720 FICO30-yr | 7.625% 7.906% APR | $610 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.950% APR | $635 Principal & Interest | $0 Points | |
Rates updated daily by Safe Rate Mortgage (NMLS #1590949). Your actual rate depends on credit score, down payment, and property details.
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Safe Rate Mortgage. NMLS #1590949. Rates shown are representative estimates. Illinois Residential Mortgage Licensee. Loans subject to credit and property approval. Rates and terms are subject to change without notice.