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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.
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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 | 6.923%APR 6.956% | 0 pts$0 | $2,047/moP&I $2,047 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.956%APR 6.722% | 0 pts$0 | $2,028/moP&I $1,883 · MI $145 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.046%APR 6.093% | 0 pts$0 | $1,869/moP&I $1,869 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.889%APR 6.923% | 0 pts$0 | $2,040/moP&I $2,040 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.667% | 0 pts$0 | $2,195/moP&I $2,195 · 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 | 6.046% | 6.093% | 0 pts ($0) | $2,625/mo | $52,682 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.030% | 6.078% | 0 pts ($0) | $3,278/mo | $73,233 |
Condo 10% Down | 10% | 720 credit score | 7.204% | 7.370% | 0 pts ($0) | $2,369/mo | $83,193 |
Conventional 10% Down | 10% | 720 credit score | 6.625% | 6.778% | 0 pts ($0) | $2,234/mo | $77,104 |
Conventional 20% Down | 20% | 740 credit score | 6.923% | 6.956% | 0 pts ($0) | $2,047/mo | $63,413 |
Conventional 5% Down | 5% | 700 credit score | 7.047% | 7.524% | 0 pts ($0) | $2,462/mo | $86,071 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.351% | 7.386% | 0 pts ($0) | $2,671/mo | $91,829 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,294/mo | $77,733 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.836% | 7.210% | 0 pts ($0) | $2,461/mo | $88,876 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.889% | 6.923% | 0 pts ($0) | $2,550/mo | $86,428 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,199/mo | $76,276 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.956% | 6.722% | 0 pts ($0) | $2,272/mo | $79,580 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,349/mo | $82,230 |
FHA Streamline Refi | 0% | 640 credit score | 6.071% | 6.839% | 0 pts ($0) | $2,383/mo | $83,830 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.004% | 7.245% | 0 pts ($0) | $2,451/mo | $88,908 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,425/mo | $47,488 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.667% | 0 pts ($0) | $2,058/mo | $65,606 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $2,090/mo | $65,301 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,254/mo | $69,121 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.318% | 7.090% | 0 pts ($0) | $2,361/mo | $83,723 |
Second Home 10% Down | 10% | 720 credit score | 5.961% | 6.531% | 0 pts ($0) | $2,083/mo | $70,135 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,039/mo | $63,048 |
VA 0% Down | 0% | 700 credit score | 6.066% | 6.307% | 0 pts ($0) | $2,391/mo | $79,090 |
VA Cash-Out Refi | 0% | 640 credit score | 6.076% | 6.442% | 0 pts ($0) | $2,394/mo | $79,209 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.082% | 6.232% | 0 pts ($0) | $2,395/mo | $79,280 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,133/mo | $67,490 |
Frequently Asked Questions
What are today's mortgage rates in Lake Geneva-Genoa City Union High, WI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Lake Geneva-Genoa City Union High, WI is 6.923% (with an estimated monthly payment of $2,170). Active program rates also include FHA 30-year fixed loans at 5.956% and VA 0%-down fixed loans at 6.066%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Lake Geneva-Genoa City Union High, 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 Lake Geneva-Genoa City Union High, WI have fluctuated between a low of 6.536% and a high of 6.986%. 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 Lake Geneva-Genoa City Union High, WI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $387,688 in Lake Geneva-Genoa City Union High, WI, a standard 20%-down Conventional loan requires an upfront cash down payment of $77,538 but keeps your monthly payment lower at $2,170/mo (at 6.923% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,569 (3.5% down) but has an estimated payment of $2,407/mo (at 5.956% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $374,119 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 Lake Geneva-Genoa City Union High before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Lake Geneva-Genoa City Union High is $806,501. With a typical local home value of $387,688 in , a standard 20%-down mortgage requires a loan size of $310,150. 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 Lake Geneva-Genoa City Union High, WI impact estimated mortgage payments?
The median home value in Lake Geneva-Genoa City Union High, WI is estimated at $387,688. Buying a typical home here with a standard 20% down payment ($77,538) translates to an estimated starting monthly mortgage payment of $2,170 (principal and interest). Compared to the local area median household income of $82,660 ($6,888/mo), this basic housing payment represents approximately 31.5% 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.