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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.
See Safe Rate's top scoring lenders for Hartland-Lakeside Joint No. 3
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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 | 6.867%APR 6.898% | 0 pts$0 | $2,712/moP&I $2,712 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.997%APR 6.762% | 0 pts$0 | $2,712/moP&I $2,520 · MI $193 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.950%APR 5.994% | 0 pts$0 | $2,464/moP&I $2,464 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.836%APR 6.867% | 0 pts$0 | $2,704/moP&I $2,704 · MI $0 | See details |
| Investment Property FixedConforming | 7.548%APR 7.583% | 0 pts$0 | $2,903/moP&I $2,903 · 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 | 5.950% | 5.994% | 0 pts ($0) | $3,475/mo | $69,034 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.937% | 5.981% | 0 pts ($0) | $4,341/mo | $96,169 |
Condo 10% Down | 10% | 720 credit score | 7.092% | 7.254% | 0 pts ($0) | $3,121/mo | $109,257 |
Conventional 10% Down | 10% | 720 credit score | 6.559% | 6.710% | 0 pts ($0) | $2,956/mo | $101,793 |
Conventional 20% Down | 20% | 740 credit score | 6.867% | 6.898% | 0 pts ($0) | $2,712/mo | $83,780 |
Conventional 5% Down | 5% | 700 credit score | 6.989% | 7.462% | 0 pts ($0) | $3,261/mo | $113,804 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.296% | 7.329% | 0 pts ($0) | $3,539/mo | $121,476 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,056/mo | $103,554 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.775% | 7.145% | 0 pts ($0) | $3,258/mo | $117,478 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.836% | 6.867% | 0 pts ($0) | $3,379/mo | $114,313 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,262/mo | $101,613 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.997% | 6.762% | 0 pts ($0) | $3,039/mo | $106,640 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,129/mo | $109,545 |
FHA Streamline Refi | 0% | 640 credit score | 6.125% | 6.892% | 0 pts ($0) | $3,193/mo | $112,529 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.963% | 7.202% | 0 pts ($0) | $3,252/mo | $117,835 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,231/mo | $63,263 |
Investment Property 25% Down | 25% | 740 credit score | 7.548% | 7.583% | 0 pts ($0) | $2,721/mo | $86,499 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $2,784/mo | $86,993 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,003/mo | $92,081 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.374% | 7.145% | 0 pts ($0) | $3,163/mo | $112,389 |
Second Home 10% Down | 10% | 720 credit score | 6.009% | 6.579% | 0 pts ($0) | $2,790/mo | $94,103 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,717/mo | $83,991 |
VA 0% Down | 0% | 700 credit score | 5.994% | 6.233% | 0 pts ($0) | $3,161/mo | $104,220 |
VA Cash-Out Refi | 0% | 640 credit score | 5.995% | 6.357% | 0 pts ($0) | $3,161/mo | $104,236 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.014% | 6.161% | 0 pts ($0) | $3,168/mo | $104,537 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,842/mo | $89,909 |
Frequently Asked Questions
What are today's mortgage rates in Hartland-Lakeside Joint No. 3, WI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Hartland-Lakeside Joint No. 3, WI is 6.867% (with an estimated monthly payment of $2,827). Active program rates also include FHA 30-year fixed loans at 5.997% and VA 0%-down fixed loans at 5.994%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Hartland-Lakeside Joint No. 3, 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 Hartland-Lakeside Joint No. 3, WI have fluctuated between a low of 6.473% and a high of 6.934%. 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 Hartland-Lakeside Joint No. 3, WI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $516,469 in Hartland-Lakeside Joint No. 3, WI, a standard 20%-down Conventional loan requires an upfront cash down payment of $103,294 but keeps your monthly payment lower at $2,827/mo (at 6.867% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,076 (3.5% down) but has an estimated payment of $3,169/mo (at 5.997% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $498,393 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 Hartland-Lakeside Joint No. 3 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Hartland-Lakeside Joint No. 3 is $806,501. With a typical local home value of $516,469 in , a standard 20%-down mortgage requires a loan size of $413,175. 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 Hartland-Lakeside Joint No. 3, WI impact estimated mortgage payments?
The median home value in Hartland-Lakeside Joint No. 3, WI is estimated at $516,469. Buying a typical home here with a standard 20% down payment ($103,294) translates to an estimated starting monthly mortgage payment of $2,827 (principal and interest). Compared to the local area median household income of $99,215 ($8,268/mo), this basic housing payment represents approximately 34.2% 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.