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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 | 6.793%APR 6.825% | 0 pts$0 | $4,583/moP&I $4,583 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.908%APR 6.880% | 0 pts$0 | $4,578/moP&I $4,250 · MI $328 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.835%APR 5.880% | 0 pts$0 | $4,144/moP&I $4,144 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.504%APR 6.535% | 0 pts$0 | $4,449/moP&I $4,449 · MI $0 | See details |
| Investment Property FixedConforming | 7.467%APR 7.504% | 0 pts$0 | $4,903/moP&I $4,903 · 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 | 5.835% | 5.880% | 0 pts ($0) | $5,874/mo | $115,206 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.836% | 5.882% | 0 pts ($0) | $7,343/mo | $161,181 |
Condo 10% Down | 10% | 720 credit score | 6.816% | 6.974% | 0 pts ($0) | $5,168/mo | $179,453 |
Conventional 10% Down | 10% | 720 credit score | 6.483% | 6.634% | 0 pts ($0) | $4,994/mo | $171,516 |
Conventional 20% Down | 20% | 740 credit score | 6.793% | 6.825% | 0 pts ($0) | $4,583/mo | $141,086 |
Conventional 5% Down | 5% | 700 credit score | 6.774% | 7.239% | 0 pts ($0) | $5,432/mo | $188,365 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.799% | 6.831% | 0 pts ($0) | $5,733/mo | $193,665 |
Conventional High Balance | 10% | 740 credit score | 7.010% | 7.043% | 0 pts ($0) | $5,271/mo | $179,331 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.570% | 6.935% | 0 pts ($0) | $5,431/mo | $194,767 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.504% | 6.535% | 0 pts ($0) | $5,561/mo | $185,852 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,257/mo | $173,020 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.908% | 6.880% | 0 pts ($0) | $5,126/mo | $179,271 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,328/mo | $186,526 |
FHA Streamline Refi | 0% | 640 credit score | 6.014% | 6.987% | 0 pts ($0) | $5,373/mo | $188,623 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.774% | 7.010% | 0 pts ($0) | $5,432/mo | $195,884 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,502/mo | $107,720 |
Investment Property 25% Down | 25% | 740 credit score | 7.467% | 7.504% | 0 pts ($0) | $4,597/mo | $145,673 |
Jumbo Conforming | 20% | 760 credit score | 7.041% | 7.074% | 0 pts ($0) | $4,700/mo | $146,344 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $5,113/mo | $156,791 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.255% | 7.232% | 0 pts ($0) | $5,319/mo | $188,277 |
Second Home 10% Down | 10% | 720 credit score | 6.781% | 6.938% | 0 pts ($0) | $5,150/mo | $178,618 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,626/mo | $143,015 |
VA 0% Down | 0% | 700 credit score | 6.055% | 6.297% | 0 pts ($0) | $5,418/mo | $179,106 |
VA Cash-Out Refi | 0% | 640 credit score | 5.912% | 6.274% | 0 pts ($0) | $5,335/mo | $175,246 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.922% | 6.070% | 0 pts ($0) | $5,341/mo | $175,516 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,839/mo | $153,091 |
Frequently Asked Questions
What are today's mortgage rates in Maple Heights-Lake Desire, WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Maple Heights-Lake Desire, WA is 6.793% (with an estimated monthly payment of $4,381). Active program rates also include FHA 30-year fixed loans at 5.908% and VA 0%-down fixed loans at 6.055%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Maple Heights-Lake Desire, WA?
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 Maple Heights-Lake Desire, WA have fluctuated between a low of 6.325% and a high of 6.793%. 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 Maple Heights-Lake Desire, WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $879,411 in Maple Heights-Lake Desire, WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $175,882 but keeps your monthly payment lower at $4,381/mo (at 6.793% interest) with no monthly PMI. In comparison, an FHA loan requires only $30,779 (3.5% down) but has an estimated payment of $4,900/mo (at 5.908% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $848,632 falls comfortably within the local HUD FHA loan limit of $1,011,323 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Maple Heights-Lake Desire before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Maple Heights-Lake Desire is $806,501. With a typical local home value of $879,411 in , a standard 20%-down mortgage requires a loan size of $703,529. 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 Maple Heights-Lake Desire, WA impact estimated mortgage payments?
The median home value in Maple Heights-Lake Desire, WA is estimated at $879,411. Buying a typical home here with a standard 20% down payment ($175,882) translates to an estimated starting monthly mortgage payment of $4,381 (principal and interest). Compared to the local area median household income of $138,375 ($11,531/mo), this basic housing payment represents approximately 38.0% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.