Safe Rate Local

Mortgage Rates in De Baca County, NM

7.258%APR 7.294% · $958/mo (20% Down)
Updated daily · May 22, 2026+0.244% (14d)
Safe Rate Choice20% Down Conv.
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14-Day Rate Trend
+0.244%
LO 6.991%HI 7.258%TODAY 7.258%
ProductRate / APR Mo. Payment Points
FHA Streamline
FHA streamline refinance
+$78/mo MI
0% Down640 FICO30-yr
6.376%
7.149% APR
$1,074
Principal & Interest
$0 Points
15-Year Refi
15-year fixed refinance
0% Down740 FICO15-yr
6.381%
6.445% APR
$1,254
Principal & Interest
$0 Points
VA Cash-Out
VA cash-out refinance
0% Down640 FICO30-yr
6.484%
6.862% APR
$1,103
Principal & Interest
$0 Points
VA IRRRL
VA streamline refinance
0% Down640 FICO30-yr
6.496%
6.652% APR
$1,009
Principal & Interest
$0 Points
Rate/Term Refi
Conventional rate/term refinance
0% Down740 FICO30-yr
7.320%
7.384% APR
$996
Principal & Interest
$0 Points
Cash-Out Refi
Conventional cash-out refinance
0% Down740 FICO30-yr
7.625%
7.677% APR
$993
Principal & Interest
$0 Points

Mortgage Rates in De Baca County: Local Market Snapshot

Median Home Value
$187,500
2-Yr Appreciation
Median Income
household
Price-to-Income
stretched

Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to De Baca County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.

Frequently Asked Questions

Market Snapshot

FIPS 35011
Average Home Value
$187,500
Average Rent
$387/mo
Average Income
Property Tax
$1,118/yr
Avg Loan
$145,000
Avg LTV
82.7%

Estimated Insurance

Homeowners Insurance
HO-3 policy · covers dwelling, property & liability
$102/mo
Flood Insurance$97/mo
Risk TierVery High
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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.