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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 | 6.864%APR 6.899% | 0 pts$0 | $2,429/moP&I $2,429 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.998%APR 6.767% | 0 pts$0 | $2,430/moP&I $2,258 · MI $173 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.937%APR 5.986% | 0 pts$0 | $2,204/moP&I $2,204 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.608%APR 6.642% | 0 pts$0 | $2,366/moP&I $2,366 · MI $0 | See details |
| Investment Property FixedConforming | 7.573%APR 7.613% | 0 pts$0 | $2,607/moP&I $2,607 · 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 | 5.937% | 5.986% | 0 pts ($0) | $3,111/mo | $61,712 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.941% | 5.992% | 0 pts ($0) | $3,890/mo | $86,217 |
Condo 10% Down | 10% | 720 credit score | 7.091% | 7.257% | 0 pts ($0) | $2,796/mo | $97,878 |
Conventional 10% Down | 10% | 720 credit score | 6.558% | 6.712% | 0 pts ($0) | $2,648/mo | $91,190 |
Conventional 20% Down | 20% | 740 credit score | 6.864% | 6.899% | 0 pts ($0) | $2,429/mo | $75,030 |
Conventional 5% Down | 5% | 700 credit score | 6.985% | 7.462% | 0 pts ($0) | $2,920/mo | $101,910 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.308% | 7.346% | 0 pts ($0) | $3,175/mo | $109,005 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,738/mo | $92,780 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.770% | 7.144% | 0 pts ($0) | $2,917/mo | $105,188 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.608% | 6.642% | 0 pts ($0) | $2,958/mo | $99,242 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,818/mo | $91,041 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.998% | 6.767% | 0 pts ($0) | $2,723/mo | $95,559 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,804/mo | $98,147 |
FHA Streamline Refi | 0% | 640 credit score | 6.139% | 6.910% | 0 pts ($0) | $2,865/mo | $101,020 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.958% | 7.200% | 0 pts ($0) | $2,912/mo | $105,509 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,895/mo | $56,681 |
Investment Property 25% Down | 25% | 740 credit score | 7.573% | 7.613% | 0 pts ($0) | $2,444/mo | $77,761 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,494/mo | $77,942 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,691/mo | $82,501 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.374% | 7.149% | 0 pts ($0) | $2,834/mo | $100,696 |
Second Home 10% Down | 10% | 720 credit score | 6.016% | 6.589% | 0 pts ($0) | $2,501/mo | $84,400 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,434/mo | $75,253 |
VA 0% Down | 0% | 700 credit score | 5.995% | 6.237% | 0 pts ($0) | $2,832/mo | $93,391 |
VA Cash-Out Refi | 0% | 640 credit score | 5.999% | 6.365% | 0 pts ($0) | $2,834/mo | $93,448 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.021% | 6.172% | 0 pts ($0) | $2,840/mo | $93,760 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,546/mo | $80,555 |
Frequently Asked Questions
What are today's mortgage rates in Dewey-Humboldt, AZ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Dewey-Humboldt, AZ is 6.864% (with an estimated monthly payment of $2,642). Active program rates also include FHA 30-year fixed loans at 5.998% and VA 0%-down fixed loans at 5.995%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Dewey-Humboldt, AZ?
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 Dewey-Humboldt, AZ have fluctuated between a low of 6.485% 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 Dewey-Humboldt, AZ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $462,735 in Dewey-Humboldt, AZ, a standard 20%-down Conventional loan requires an upfront cash down payment of $92,547 but keeps your monthly payment lower at $2,642/mo (at 6.864% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,196 (3.5% down) but has an estimated payment of $2,963/mo (at 5.998% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $446,539 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 Dewey-Humboldt before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Dewey-Humboldt is $806,501. With a typical local home value of $462,735 in , a standard 20%-down mortgage requires a loan size of $370,188. 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 Dewey-Humboldt, AZ impact estimated mortgage payments?
The median home value in Dewey-Humboldt, AZ is estimated at $462,735. Buying a typical home here with a standard 20% down payment ($92,547) translates to an estimated starting monthly mortgage payment of $2,642 (principal and interest). Compared to the local area median household income of $66,138 ($5,512/mo), this basic housing payment represents approximately 47.9% 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.