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 | 6.999% 7.027% APR | $2,073 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 6.575% Highest 6.999% Today 6.999% | |||||
FHA 3.5% Down FHA purchase, 3.5% down +$172/mo MI | 3.5% Down680 FICO30-yr | 6.100% 6.863% APR | $2,317 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$172/mo MI | 0% Down640 FICO30-yr | 6.100% 6.863% APR | $2,317 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$247/mo MI | 5% Down700 FICO30-yr | 6.101% 6.813% APR | $2,282 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.105% 6.673% APR | $2,163 Principal & Interest | $0 Points | |
Lower Credit FHA FHA for buyers with lower credit scores +$172/mo MI | 3.5% Down580 FICO30-yr | 6.109% 6.872% APR | $2,320 Principal & Interest | $0 Points | |
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.133% 6.173% APR | $2,625 Principal & Interest | $0 Points | |
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 6.197% 6.237% APR | $2,663 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.422% 6.665% APR | $2,494 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.424% 6.795% APR | $2,435 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.430% 6.579% APR | $2,227 Principal & Interest | $0 Points | |
10% Down Conv. Conventional purchase, 10% down +$234/mo MI | 10% Down720 FICO30-yr | 6.826% 6.978% APR | $2,291 Principal & Interest | $0 Points | |
Jumbo Jumbo loan above conforming limits | 20% Down760 FICO30-yr | 6.875% 6.988% APR | $5,536 Principal & Interest | $0 Points | |
HomeReady Fannie Mae HomeReady, low-income buyers +$220/mo MI | 3% Down660 FICO30-yr | 6.892% 7.261% APR | $2,486 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.040% 7.068% APR | $2,061 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$247/mo MI | 5% Down680 FICO30-yr | 7.151% 7.389% APR | $2,499 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$210/mo MI | 10% Down720 FICO30-yr | 7.290% 7.452% APR | $1,921 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.417% 7.447% APR | $2,161 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.700% APR | $2,068 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.