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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 | 6.881%APR 6.912% | 0 pts$0 | $3,250/moP&I $3,250 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.004%APR 6.769% | 0 pts$0 | $3,248/moP&I $3,018 · MI $231 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.967%APR 6.011% | 0 pts$0 | $2,954/moP&I $2,954 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.611%APR 6.641% | 0 pts$0 | $3,161/moP&I $3,161 · MI $0 | See details |
| Investment Property FixedConforming | 7.565%APR 7.601% | 0 pts$0 | $3,479/moP&I $3,479 · 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 | 5.967% | 6.011% | 0 pts ($0) | $4,164/mo | $82,855 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.960% | 6.005% | 0 pts ($0) | $5,202/mo | $115,496 |
Condo 10% Down | 10% | 720 credit score | 7.109% | 7.272% | 0 pts ($0) | $3,742/mo | $131,032 |
Conventional 10% Down | 10% | 720 credit score | 6.570% | 6.721% | 0 pts ($0) | $3,542/mo | $121,998 |
Conventional 20% Down | 20% | 740 credit score | 6.881% | 6.912% | 0 pts ($0) | $3,250/mo | $100,467 |
Conventional 5% Down | 5% | 700 credit score | 6.996% | 7.469% | 0 pts ($0) | $3,905/mo | $136,311 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.306% | 7.340% | 0 pts ($0) | $4,240/mo | $145,555 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,657/mo | $123,922 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.786% | 7.157% | 0 pts ($0) | $3,903/mo | $140,783 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.611% | 6.641% | 0 pts ($0) | $3,952/mo | $132,608 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,100/mo | $121,599 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.004% | 6.769% | 0 pts ($0) | $3,640/mo | $127,742 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,745/mo | $131,091 |
FHA Streamline Refi | 0% | 640 credit score | 6.149% | 6.917% | 0 pts ($0) | $3,831/mo | $135,116 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.971% | 7.210% | 0 pts ($0) | $3,895/mo | $141,153 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,867/mo | $75,706 |
Investment Property 25% Down | 25% | 740 credit score | 7.565% | 7.601% | 0 pts ($0) | $3,262/mo | $103,750 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $3,331/mo | $104,103 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,594/mo | $110,193 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.387% | 7.159% | 0 pts ($0) | $3,791/mo | $134,732 |
Second Home 10% Down | 10% | 720 credit score | 6.025% | 6.595% | 0 pts ($0) | $3,344/mo | $112,879 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,251/mo | $100,511 |
VA 0% Down | 0% | 700 credit score | 6.000% | 6.239% | 0 pts ($0) | $3,785/mo | $124,833 |
VA Cash-Out Refi | 0% | 640 credit score | 6.010% | 6.373% | 0 pts ($0) | $3,789/mo | $125,022 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.030% | 6.178% | 0 pts ($0) | $3,797/mo | $125,402 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,401/mo | $107,593 |
Frequently Asked Questions
What are today's mortgage rates in Fontana-on-Geneva Lake, WI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Fontana-on-Geneva Lake, WI is 6.881% (with an estimated monthly payment of $2,683). Active program rates also include FHA 30-year fixed loans at 6.004% and VA 0%-down fixed loans at 6.000%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Fontana-on-Geneva Lake, WI?
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 Fontana-on-Geneva Lake, WI have fluctuated between a low of 6.483% and a high of 6.943%. 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 Fontana-on-Geneva Lake, WI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $618,052 in Fontana-on-Geneva Lake, WI, a standard 20%-down Conventional loan requires an upfront cash down payment of $123,610 but keeps your monthly payment lower at $2,683/mo (at 6.881% interest) with no monthly PMI. In comparison, an FHA loan requires only $21,632 (3.5% down) but has an estimated payment of $3,004/mo (at 6.004% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $596,420 falls comfortably within the local HUD FHA loan limit of $710,760 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Fontana-on-Geneva Lake before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Fontana-on-Geneva Lake is $806,501. With a typical local home value of $618,052 in , a standard 20%-down mortgage requires a loan size of $494,442. 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 Fontana-on-Geneva Lake, WI impact estimated mortgage payments?
The median home value in Fontana-on-Geneva Lake, WI is estimated at $618,052. Buying a typical home here with a standard 20% down payment ($123,610) translates to an estimated starting monthly mortgage payment of $2,683 (principal and interest). Compared to the local area median household income of $122,703 ($10,225/mo), this basic housing payment represents approximately 26.2% 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.