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 | 7.141% 7.171% APR | $1,144 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 6.898% Highest 7.141% Today 7.141% | |||||
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.281% 6.328% APR | $1,299 Principal & Interest | $0 Points | |
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 6.304% 6.349% APR | $1,458 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.361% 6.938% APR | $1,208 Principal & Interest | $0 Points | |
FHA 3.5% Down FHA purchase, 3.5% down +$94/mo MI | 3.5% Down680 FICO30-yr | 6.375% 7.144% APR | $1,298 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$94/mo MI | 0% Down640 FICO30-yr | 6.375% 7.144% APR | $1,298 Principal & Interest | $0 Points | |
Lower Credit FHA FHA for buyers with lower credit scores +$94/mo MI | 3.5% Down580 FICO30-yr | 6.380% 7.149% APR | $1,298 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.452% 6.697% APR | $1,361 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.457% 6.830% APR | $1,329 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.475% 6.627% APR | $1,217 Principal & Interest | $0 Points | |
Jumbo Jumbo loan above conforming limits | 20% Down760 FICO30-yr | 6.875% 6.985% APR | $5,536 Principal & Interest | $0 Points | |
10% Down Conv. Conventional purchase, 10% down +$127/mo MI | 10% Down720 FICO30-yr | 6.898% 7.053% APR | $1,255 Principal & Interest | $0 Points | |
HomeReady Fannie Mae HomeReady, low-income buyers +$120/mo MI | 3% Down660 FICO30-yr | 6.949% 7.321% APR | $1,360 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.060% 7.092% APR | $1,012 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$134/mo MI | 5% Down680 FICO30-yr | 7.324% 7.567% APR | $1,383 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$134/mo MI | 5% Down700 FICO30-yr | 7.353% 7.835% APR | $1,387 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$114/mo MI | 10% Down720 FICO30-yr | 7.392% 7.558% APR | $1,055 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.496% 7.528% APR | $1,184 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.746% APR | $1,125 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.