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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 | 7.063%APR 7.104% | 0 pts$0 | $1,316/moP&I $1,316 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.080%APR 6.855% | 0 pts$0 | $1,301/moP&I $1,209 · MI $92 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.310%APR 6.371% | 0 pts$0 | $1,218/moP&I $1,218 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.904%APR 6.946% | 0 pts$0 | $1,295/moP&I $1,295 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.698% | 0 pts$0 | $1,391/moP&I $1,391 · 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 | 6.310% | 6.371% | 0 pts ($0) | $1,692/mo | $34,889 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.055% | 6.116% | 0 pts ($0) | $2,080/mo | $46,586 |
Condo 10% Down | 10% | 720 credit score | 7.276% | 7.452% | 0 pts ($0) | $1,512/mo | $53,199 |
Conventional 10% Down | 10% | 720 credit score | 6.854% | 7.019% | 0 pts ($0) | $1,449/mo | $50,386 |
Conventional 20% Down | 20% | 740 credit score | 7.063% | 7.104% | 0 pts ($0) | $1,316/mo | $41,014 |
Conventional 5% Down | 5% | 700 credit score | 7.252% | 7.744% | 0 pts ($0) | $1,592/mo | $55,986 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.500% | 7.545% | 0 pts ($0) | $1,718/mo | $59,297 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,454/mo | $49,259 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.857% | 7.238% | 0 pts ($0) | $1,563/mo | $56,471 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.904% | 6.946% | 0 pts ($0) | $1,619/mo | $54,881 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,027/mo | $48,336 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.080% | 6.855% | 0 pts ($0) | $1,459/mo | $51,329 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,488/mo | $52,109 |
FHA Streamline Refi | 0% | 640 credit score | 6.275% | 7.053% | 0 pts ($0) | $1,543/mo | $54,656 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.191% | 7.443% | 0 pts ($0) | $1,583/mo | $57,657 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,537/mo | $30,093 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.698% | 0 pts ($0) | $1,304/mo | $41,575 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,324/mo | $41,381 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,429/mo | $43,802 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.443% | 7.224% | 0 pts ($0) | $1,516/mo | $53,963 |
Second Home 10% Down | 10% | 720 credit score | 6.090% | 6.670% | 0 pts ($0) | $1,338/mo | $45,302 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,292/mo | $39,954 |
VA 0% Down | 0% | 700 credit score | 6.092% | 6.340% | 0 pts ($0) | $1,520/mo | $50,315 |
VA Cash-Out Refi | 0% | 640 credit score | 6.106% | 6.480% | 0 pts ($0) | $1,522/mo | $50,421 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.116% | 6.273% | 0 pts ($0) | $1,523/mo | $50,496 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,352/mo | $42,768 |
Frequently Asked Questions
What are today's mortgage rates in Leith-Hatfield, PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Leith-Hatfield, PA is 7.063% (with an estimated monthly payment of $1,364). Active program rates also include FHA 30-year fixed loans at 6.080% and VA 0%-down fixed loans at 6.092%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Leith-Hatfield, PA?
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 Leith-Hatfield, PA have fluctuated between a low of 6.942% and a high of 7.204%. 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 Leith-Hatfield, PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $245,678 in Leith-Hatfield, PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $49,136 but keeps your monthly payment lower at $1,364/mo (at 7.063% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,599 (3.5% down) but has an estimated payment of $1,512/mo (at 6.080% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $237,079 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 Leith-Hatfield before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Leith-Hatfield is $806,501. With a typical local home value of $245,678 in , a standard 20%-down mortgage requires a loan size of $196,542. 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 Leith-Hatfield, PA impact estimated mortgage payments?
The median home value in Leith-Hatfield, PA is estimated at $245,678. Buying a typical home here with a standard 20% down payment ($49,136) translates to an estimated starting monthly mortgage payment of $1,364 (principal and interest). Compared to the local area median household income of $81,135 ($6,761/mo), this basic housing payment represents approximately 20.2% 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.