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 | 7.214%APR 7.262% | 0 pts$0 | $478/moP&I $478 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.115%APR 6.895% | 0 pts$0 | $467/moP&I $434 · MI $33 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.405%APR 6.475% | 0 pts$0 | $440/moP&I $440 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.289%APR 7.365% | 0 pts$0 | $482/moP&I $482 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.795% | 0 pts$0 | $498/moP&I $498 · 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 | 6.405% | 6.475% | 0 pts ($0) | $609/mo | $12,676 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.358% | 6.440% | 0 pts ($0) | $759/mo | $17,438 |
Condo 10% Down | 10% | 720 credit score | 7.474% | 7.660% | 0 pts ($0) | $552/mo | $19,505 |
Conventional 10% Down | 10% | 720 credit score | 6.913% | 7.084% | 0 pts ($0) | $522/mo | $18,166 |
Conventional 20% Down | 20% | 740 credit score | 7.214% | 7.262% | 0 pts ($0) | $478/mo | $14,993 |
Conventional 5% Down | 5% | 700 credit score | 7.173% | 7.667% | 0 pts ($0) | $565/mo | $19,830 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.610% | 7.661% | 0 pts ($0) | $621/mo | $21,505 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $520/mo | $17,623 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.803% | 7.187% | 0 pts ($0) | $556/mo | $20,064 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.289% | 7.365% | 0 pts ($0) | $602/mo | $20,654 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $725/mo | $17,292 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.115% | 6.895% | 0 pts ($0) | $524/mo | $18,454 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $532/mo | $18,642 |
FHA Streamline Refi | 0% | 640 credit score | 6.309% | 7.093% | 0 pts ($0) | $554/mo | $19,645 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.113% | 7.368% | 0 pts ($0) | $562/mo | $20,430 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $550/mo | $10,766 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.795% | 0 pts ($0) | $467/mo | $14,873 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $474/mo | $14,804 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $511/mo | $15,670 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.474% | 7.261% | 0 pts ($0) | $544/mo | $19,386 |
Second Home 10% Down | 10% | 720 credit score | 6.129% | 6.715% | 0 pts ($0) | $481/mo | $16,299 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $462/mo | $14,293 |
VA 0% Down | 0% | 700 credit score | 6.152% | 6.406% | 0 pts ($0) | $547/mo | $18,162 |
VA Cash-Out Refi | 0% | 640 credit score | 6.166% | 6.547% | 0 pts ($0) | $548/mo | $18,200 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.197% | 6.360% | 0 pts ($0) | $550/mo | $18,284 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $484/mo | $15,300 |
Frequently Asked Questions
What are today's mortgage rates in Hotevilla-Bacavi, AZ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Hotevilla-Bacavi, AZ is 7.214% (with an estimated monthly payment of $912). Active program rates also include FHA 30-year fixed loans at 6.115% and VA 0%-down fixed loans at 6.152%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Hotevilla-Bacavi, 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 Hotevilla-Bacavi, AZ have fluctuated between a low of 6.842% and a high of 7.284%. 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 Hotevilla-Bacavi, AZ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $87,891 in Hotevilla-Bacavi, AZ, a standard 20%-down Conventional loan requires an upfront cash down payment of $17,578 but keeps your monthly payment lower at $912/mo (at 7.214% interest) with no monthly PMI. In comparison, an FHA loan requires only $3,076 (3.5% down) but has an estimated payment of $999/mo (at 6.115% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $84,815 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 Hotevilla-Bacavi before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Hotevilla-Bacavi is $806,501. With a typical local home value of $87,891 in , a standard 20%-down mortgage requires a loan size of $70,313. 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 Hotevilla-Bacavi, AZ impact estimated mortgage payments?
The median home value in Hotevilla-Bacavi, AZ is estimated at $87,891. Buying a typical home here with a standard 20% down payment ($17,578) translates to an estimated starting monthly mortgage payment of $912 (principal and interest). Compared to the local area median household income of $24,651 ($2,054/mo), this basic housing payment represents approximately 44.4% 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.