Select your Scenario
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 | 6.895%APR 6.927% | 0 pts$0 | $2,059/moP&I $2,059 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.028%APR 6.794% | 0 pts$0 | $2,060/moP&I $1,914 · MI $146 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.995%APR 6.040% | 0 pts$0 | $1,874/moP&I $1,874 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.858%APR 6.890% | 0 pts$0 | $2,051/moP&I $2,051 · MI $0 | See details |
| Investment Property FixedConforming | 7.591%APR 7.627% | 0 pts$0 | $2,207/moP&I $2,207 · 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 | 5.995% | 6.040% | 0 pts ($0) | $2,639/mo | $52,673 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.980% | 6.026% | 0 pts ($0) | $3,295/mo | $73,297 |
Condo 10% Down | 10% | 720 credit score | 7.133% | 7.296% | 0 pts ($0) | $2,373/mo | $83,154 |
Conventional 10% Down | 10% | 720 credit score | 6.589% | 6.740% | 0 pts ($0) | $2,245/mo | $77,386 |
Conventional 20% Down | 20% | 740 credit score | 6.895% | 6.927% | 0 pts ($0) | $2,059/mo | $63,694 |
Conventional 5% Down | 5% | 700 credit score | 7.009% | 7.482% | 0 pts ($0) | $2,474/mo | $86,385 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.321% | 7.355% | 0 pts ($0) | $2,686/mo | $92,265 |
Conventional High Balance | 10% | 740 credit score | 7.034% | 7.063% | 0 pts ($0) | $2,349/mo | $79,992 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.804% | 7.175% | 0 pts ($0) | $2,474/mo | $89,274 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.858% | 6.890% | 0 pts ($0) | $2,564/mo | $86,806 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,227/mo | $76,932 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.028% | 6.794% | 0 pts ($0) | $2,309/mo | $81,095 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,369/mo | $82,937 |
FHA Streamline Refi | 0% | 640 credit score | 6.198% | 6.967% | 0 pts ($0) | $2,436/mo | $86,070 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.983% | 7.223% | 0 pts ($0) | $2,467/mo | $89,437 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,446/mo | $47,896 |
Investment Property 25% Down | 25% | 740 credit score | 7.591% | 7.627% | 0 pts ($0) | $2,069/mo | $65,869 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.156% | 0 pts ($0) | $2,108/mo | $65,863 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,274/mo | $69,715 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.408% | 7.180% | 0 pts ($0) | $2,404/mo | $85,483 |
Second Home 10% Down | 10% | 720 credit score | 6.050% | 6.621% | 0 pts ($0) | $2,121/mo | $71,679 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,057/mo | $63,590 |
VA 0% Down | 0% | 700 credit score | 6.023% | 6.263% | 0 pts ($0) | $2,401/mo | $79,254 |
VA Cash-Out Refi | 0% | 640 credit score | 6.033% | 6.397% | 0 pts ($0) | $2,403/mo | $79,374 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.056% | 6.205% | 0 pts ($0) | $2,409/mo | $79,650 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,152/mo | $68,070 |
Frequently Asked Questions
What are today's mortgage rates in Hartsville/Trousdale County, TN across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Hartsville/Trousdale County, TN is 6.895% (with an estimated monthly payment of $2,479). Active program rates also include FHA 30-year fixed loans at 6.028% and VA 0%-down fixed loans at 6.023%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Hartsville/Trousdale County, TN?
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 Hartsville/Trousdale County, TN have fluctuated between a low of 6.498% and a high of 6.958%. 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 Hartsville/Trousdale County, TN?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $391,021 in Hartsville/Trousdale County, TN, a standard 20%-down Conventional loan requires an upfront cash down payment of $78,204 but keeps your monthly payment lower at $2,479/mo (at 6.895% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,686 (3.5% down) but has an estimated payment of $2,780/mo (at 6.028% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $377,335 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 Hartsville/Trousdale County before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Hartsville/Trousdale County is $806,501. With a typical local home value of $391,021 in , a standard 20%-down mortgage requires a loan size of $312,817. 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 Hartsville/Trousdale County, TN impact estimated mortgage payments?
The median home value in Hartsville/Trousdale County, TN is estimated at $391,021. Buying a typical home here with a standard 20% down payment ($78,204) translates to an estimated starting monthly mortgage payment of $2,479 (principal and interest). Compared to the local area median household income of $72,730 ($6,061/mo), this basic housing payment represents approximately 40.9% 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.