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 | 6.996%APR 7.039% | 0 pts$0 | $816/moP&I $816 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.099%APR 6.876% | 0 pts$0 | $814/moP&I $757 · MI $57 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.255%APR 6.318% | 0 pts$0 | $756/moP&I $756 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.957%APR 7.001% | 0 pts$0 | $813/moP&I $813 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.729% | 0 pts$0 | $869/moP&I $869 · 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 | 6.255% | 6.318% | 0 pts ($0) | $1,053/mo | $21,594 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.224% | 6.290% | 0 pts ($0) | $1,313/mo | $29,846 |
Condo 10% Down | 10% | 720 credit score | 7.340% | 7.520% | 0 pts ($0) | $950/mo | $33,492 |
Conventional 10% Down | 10% | 720 credit score | 6.812% | 6.978% | 0 pts ($0) | $901/mo | $31,294 |
Conventional 20% Down | 20% | 740 credit score | 6.996% | 7.039% | 0 pts ($0) | $816/mo | $25,367 |
Conventional 5% Down | 5% | 700 credit score | 7.294% | 7.790% | 0 pts ($0) | $999/mo | $35,150 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.447% | 7.493% | 0 pts ($0) | $1,067/mo | $36,788 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $908/mo | $30,765 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.874% | 7.257% | 0 pts ($0) | $978/mo | $35,345 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.957% | 7.001% | 0 pts ($0) | $1,016/mo | $34,520 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,266/mo | $30,188 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.099% | 6.876% | 0 pts ($0) | $913/mo | $32,143 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $930/mo | $32,544 |
FHA Streamline Refi | 0% | 640 credit score | 6.293% | 7.073% | 0 pts ($0) | $966/mo | $34,220 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.266% | 7.522% | 0 pts ($0) | $996/mo | $36,339 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $960/mo | $18,794 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.729% | 0 pts ($0) | $815/mo | $25,965 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $827/mo | $25,844 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $892/mo | $27,356 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.460% | 7.243% | 0 pts ($0) | $948/mo | $33,779 |
Second Home 10% Down | 10% | 720 credit score | 6.099% | 6.681% | 0 pts ($0) | $837/mo | $28,330 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $807/mo | $24,953 |
VA 0% Down | 0% | 700 credit score | 6.122% | 6.373% | 0 pts ($0) | $952/mo | $31,565 |
VA Cash-Out Refi | 0% | 640 credit score | 6.123% | 6.499% | 0 pts ($0) | $952/mo | $31,570 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.125% | 6.284% | 0 pts ($0) | $952/mo | $31,579 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $844/mo | $26,711 |
Frequently Asked Questions
What are today's mortgage rates in Lewis County C-1, MO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Lewis County C-1, MO is 6.996% (with an estimated monthly payment of $1,152). Active program rates also include FHA 30-year fixed loans at 6.099% and VA 0%-down fixed loans at 6.122%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Lewis County C-1, MO?
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 Lewis County C-1, MO have fluctuated between a low of 6.888% and a high of 7.129%. 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 Lewis County C-1, MO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $153,436 in Lewis County C-1, MO, a standard 20%-down Conventional loan requires an upfront cash down payment of $30,687 but keeps your monthly payment lower at $1,152/mo (at 6.996% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,370 (3.5% down) but has an estimated payment of $1,289/mo (at 6.099% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $148,066 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 Lewis County C-1 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Lewis County C-1 is $806,501. With a typical local home value of $153,436 in , a standard 20%-down mortgage requires a loan size of $122,749. 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 Lewis County C-1, MO impact estimated mortgage payments?
The median home value in Lewis County C-1, MO is estimated at $153,436. Buying a typical home here with a standard 20% down payment ($30,687) translates to an estimated starting monthly mortgage payment of $1,152 (principal and interest). Compared to the local area median household income of $58,942 ($4,912/mo), this basic housing payment represents approximately 23.5% 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.