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 | 7.008%APR 7.048% | 0 pts$0 | $972/moP&I $972 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.076%APR 6.850% | 0 pts$0 | $965/moP&I $897 · MI $68 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.269%APR 6.328% | 0 pts$0 | $900/moP&I $900 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.160%APR 7.236% | 0 pts$0 | $986/moP&I $986 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.728% | 0 pts$0 | $1,033/moP&I $1,033 · 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 | 6.269% | 6.328% | 0 pts ($0) | $1,253/mo | $25,727 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.272% | 6.348% | 0 pts ($0) | $1,566/mo | $35,732 |
Condo 10% Down | 10% | 720 credit score | 7.342% | 7.519% | 0 pts ($0) | $1,130/mo | $39,821 |
Conventional 10% Down | 10% | 720 credit score | 6.825% | 6.989% | 0 pts ($0) | $1,073/mo | $37,262 |
Conventional 20% Down | 20% | 740 credit score | 7.008% | 7.048% | 0 pts ($0) | $972/mo | $30,206 |
Conventional 5% Down | 5% | 700 credit score | 7.185% | 7.673% | 0 pts ($0) | $1,174/mo | $41,212 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.461% | 7.504% | 0 pts ($0) | $1,270/mo | $43,806 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,079/mo | $36,569 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.847% | 7.227% | 0 pts ($0) | $1,159/mo | $41,870 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.160% | 7.236% | 0 pts ($0) | $1,233/mo | $42,150 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,505/mo | $35,883 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.076% | 6.850% | 0 pts ($0) | $1,082/mo | $38,084 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,105/mo | $38,684 |
FHA Streamline Refi | 0% | 640 credit score | 6.270% | 7.047% | 0 pts ($0) | $1,145/mo | $40,548 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.120% | 7.370% | 0 pts ($0) | $1,167/mo | $42,432 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,141/mo | $22,340 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.728% | 0 pts ($0) | $968/mo | $30,864 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $983/mo | $30,721 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,061/mo | $32,517 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.439% | 7.219% | 0 pts ($0) | $1,125/mo | $40,039 |
Second Home 10% Down | 10% | 720 credit score | 6.085% | 6.664% | 0 pts ($0) | $993/mo | $33,606 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $959/mo | $29,661 |
VA 0% Down | 0% | 700 credit score | 6.083% | 6.330% | 0 pts ($0) | $1,127/mo | $37,302 |
VA Cash-Out Refi | 0% | 640 credit score | 6.084% | 6.457% | 0 pts ($0) | $1,127/mo | $37,308 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.093% | 6.249% | 0 pts ($0) | $1,128/mo | $37,358 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,004/mo | $31,750 |
Frequently Asked Questions
What are today's mortgage rates in Lacy-Lakeview, TX across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Lacy-Lakeview, TX is 7.008% (with an estimated monthly payment of $1,499). Active program rates also include FHA 30-year fixed loans at 6.076% and VA 0%-down fixed loans at 6.083%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Lacy-Lakeview, TX?
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 Lacy-Lakeview, TX have fluctuated between a low of 6.905% and a high of 7.159%. 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 Lacy-Lakeview, TX?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $182,385 in Lacy-Lakeview, TX, a standard 20%-down Conventional loan requires an upfront cash down payment of $36,477 but keeps your monthly payment lower at $1,499/mo (at 7.008% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,383 (3.5% down) but has an estimated payment of $1,670/mo (at 6.076% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $176,002 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 Lacy-Lakeview before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Lacy-Lakeview is $806,501. With a typical local home value of $182,385 in , a standard 20%-down mortgage requires a loan size of $145,908. 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 Lacy-Lakeview, TX impact estimated mortgage payments?
The median home value in Lacy-Lakeview, TX is estimated at $182,385. Buying a typical home here with a standard 20% down payment ($36,477) translates to an estimated starting monthly mortgage payment of $1,499 (principal and interest). Compared to the local area median household income of $58,754 ($4,896/mo), this basic housing payment represents approximately 30.6% 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.