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 | 7.267% 7.305% APR | $944 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 6.996% Highest 7.267% Today 7.267% | |||||
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.378% 6.451% APR | $1,258 Principal & Interest | $0 Points | |
FHA 3.5% Down FHA purchase, 3.5% down +$76/mo MI | 3.5% Down680 FICO30-yr | 6.379% 7.154% APR | $1,058 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$76/mo MI | 0% Down640 FICO30-yr | 6.379% 7.154% APR | $1,058 Principal & Interest | $0 Points | |
Lower Credit FHA FHA for buyers with lower credit scores +$76/mo MI | 3.5% Down580 FICO30-yr | 6.388% 7.163% APR | $1,059 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.391% 6.975% APR | $988 Principal & Interest | $0 Points | |
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 6.468% 6.524% APR | $1,200 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.481% 6.733% APR | $1,112 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.487% 6.867% APR | $1,086 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.499% 6.657% APR | $994 Principal & Interest | $0 Points | |
HomeReady Fannie Mae HomeReady, low-income buyers +$98/mo MI | 3% Down660 FICO30-yr | 6.855% 7.231% APR | $1,098 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 | |
10% Down Conv. Conventional purchase, 10% down +$104/mo MI | 10% Down720 FICO30-yr | 6.968% 7.130% APR | $1,030 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$109/mo MI | 5% Down680 FICO30-yr | 7.225% 7.473% APR | $1,116 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$109/mo MI | 5% Down700 FICO30-yr | 7.254% 7.740% APR | $1,119 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.318% 7.395% APR | $999 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$93/mo MI | 10% Down720 FICO30-yr | 7.508% 7.684% APR | $870 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.625% 7.684% APR | $977 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.807% APR | $916 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.
Get a custom quote for Livingston County, take our product quiz to find the right loan, or save this rate to your dashboard.
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.