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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 | 7.017%APR 7.056% | 0 pts$0 | $1,210/moP&I $1,210 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.110%APR 6.883% | 0 pts$0 | $1,205/moP&I $1,121 · MI $85 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.275%APR 6.333% | 0 pts$0 | $1,121/moP&I $1,121 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.018%APR 7.058% | 0 pts$0 | $1,210/moP&I $1,210 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.726% | 0 pts$0 | $1,285/moP&I $1,285 · 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 | 6.275% | 6.333% | 0 pts ($0) | $1,559/mo | $32,043 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.131% | 6.188% | 0 pts ($0) | $1,931/mo | $43,532 |
Condo 10% Down | 10% | 720 credit score | 7.345% | 7.521% | 0 pts ($0) | $1,406/mo | $49,566 |
Conventional 10% Down | 10% | 720 credit score | 6.832% | 6.995% | 0 pts ($0) | $1,336/mo | $46,407 |
Conventional 20% Down | 20% | 740 credit score | 7.017% | 7.056% | 0 pts ($0) | $1,210/mo | $37,633 |
Conventional 5% Down | 5% | 700 credit score | 7.296% | 7.788% | 0 pts ($0) | $1,477/mo | $52,001 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.449% | 7.491% | 0 pts ($0) | $1,579/mo | $54,424 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,343/mo | $45,501 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.895% | 7.275% | 0 pts ($0) | $1,449/mo | $52,415 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.018% | 7.058% | 0 pts ($0) | $1,513/mo | $51,474 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,873/mo | $44,648 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.110% | 6.883% | 0 pts ($0) | $1,352/mo | $47,614 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,375/mo | $48,134 |
FHA Streamline Refi | 0% | 640 credit score | 6.312% | 7.089% | 0 pts ($0) | $1,431/mo | $50,744 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.268% | 7.520% | 0 pts ($0) | $1,473/mo | $53,759 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,420/mo | $27,797 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.726% | 0 pts ($0) | $1,205/mo | $38,403 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $1,223/mo | $38,224 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,320/mo | $40,460 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.480% | 7.260% | 0 pts ($0) | $1,405/mo | $50,094 |
Second Home 10% Down | 10% | 720 credit score | 6.111% | 6.690% | 0 pts ($0) | $1,239/mo | $41,975 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,194/mo | $36,906 |
VA 0% Down | 0% | 700 credit score | 6.133% | 6.381% | 0 pts ($0) | $1,410/mo | $46,762 |
VA Cash-Out Refi | 0% | 640 credit score | 6.144% | 6.517% | 0 pts ($0) | $1,411/mo | $46,839 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.140% | 6.296% | 0 pts ($0) | $1,411/mo | $46,811 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,249/mo | $39,506 |
Frequently Asked Questions
What are today's mortgage rates in Loudonville-Perrysville Exempted, OH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Loudonville-Perrysville Exempted, OH is 7.017% (with an estimated monthly payment of $1,144). Active program rates also include FHA 30-year fixed loans at 6.110% and VA 0%-down fixed loans at 6.133%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Loudonville-Perrysville Exempted, OH?
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 Loudonville-Perrysville Exempted, OH have fluctuated between a low of 6.893% and a high of 7.134%. 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 Loudonville-Perrysville Exempted, OH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $226,935 in Loudonville-Perrysville Exempted, OH, a standard 20%-down Conventional loan requires an upfront cash down payment of $45,387 but keeps your monthly payment lower at $1,144/mo (at 7.017% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,943 (3.5% down) but has an estimated payment of $1,278/mo (at 6.110% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $218,992 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 Loudonville-Perrysville Exempted before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Loudonville-Perrysville Exempted is $806,501. With a typical local home value of $226,935 in , a standard 20%-down mortgage requires a loan size of $181,548. 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 Loudonville-Perrysville Exempted, OH impact estimated mortgage payments?
The median home value in Loudonville-Perrysville Exempted, OH is estimated at $226,935. Buying a typical home here with a standard 20% down payment ($45,387) translates to an estimated starting monthly mortgage payment of $1,144 (principal and interest). Compared to the local area median household income of $64,897 ($5,408/mo), this basic housing payment represents approximately 21.1% 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.