Safe Rate Local
2025 VA guidelines · Eligible veterans, active duty & surviving spouses
| Use | 0% Down | 5–9% Down | 10%+ Down |
|---|---|---|---|
| First Use | 2.15% | 1.50% | 1.25% |
| Subsequent | 3.30% | 1.50% | 1.25% |
| Exempt | 10%+ VA disability rating · Purple Heart · surviving spouses | ||
| Product | Rate / APR ↑ | Mo. Payment ↕ | Points | ||
|---|---|---|---|---|---|
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.483% 6.730% APR | $1,168 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.491% 6.645% APR | $1,043 Principal & Interest | $0 Points |
Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Davis County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.
Get a custom quote for Davis County, take our product quiz to find the right loan, or save this rate to your dashboard.
Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.