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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 | 6.858%APR 6.889% | 0 pts$0 | $3,458/moP&I $3,458 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.984%APR 6.749% | 0 pts$0 | $3,457/moP&I $3,212 · MI $246 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.931%APR 5.974% | 0 pts$0 | $3,138/moP&I $3,138 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.982%APR 7.016% | 0 pts$0 | $3,502/moP&I $3,502 · MI $0 | See details |
| Investment Property FixedConforming | 7.530%APR 7.565% | 0 pts$0 | $3,698/moP&I $3,698 · 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 | 5.931% | 5.974% | 0 pts ($0) | $4,430/mo | $87,820 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.996% | 6.041% | 0 pts ($0) | $5,561/mo | $123,870 |
Condo 10% Down | 10% | 720 credit score | 7.073% | 7.234% | 0 pts ($0) | $3,976/mo | $139,109 |
Conventional 10% Down | 10% | 720 credit score | 6.546% | 6.696% | 0 pts ($0) | $3,768/mo | $129,690 |
Conventional 20% Down | 20% | 740 credit score | 6.858% | 6.889% | 0 pts ($0) | $3,458/mo | $106,788 |
Conventional 5% Down | 5% | 700 credit score | 6.980% | 7.452% | 0 pts ($0) | $4,158/mo | $145,082 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.285% | 7.318% | 0 pts ($0) | $4,512/mo | $154,825 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,901/mo | $132,170 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.763% | 7.133% | 0 pts ($0) | $4,153/mo | $149,710 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.982% | 7.016% | 0 pts ($0) | $4,378/mo | $148,802 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,439/mo | $129,692 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.984% | 6.749% | 0 pts ($0) | $3,874/mo | $135,856 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,994/mo | $139,816 |
FHA Streamline Refi | 0% | 640 credit score | 6.108% | 6.875% | 0 pts ($0) | $4,068/mo | $143,283 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.954% | 7.192% | 0 pts ($0) | $4,147/mo | $150,227 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,124/mo | $80,744 |
Investment Property 25% Down | 25% | 740 credit score | 7.530% | 7.565% | 0 pts ($0) | $3,467/mo | $110,133 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $3,553/mo | $111,032 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,833/mo | $117,527 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.362% | 7.133% | 0 pts ($0) | $4,032/mo | $143,212 |
Second Home 10% Down | 10% | 720 credit score | 5.998% | 6.567% | 0 pts ($0) | $3,556/mo | $119,911 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,467/mo | $107,201 |
VA 0% Down | 0% | 700 credit score | 5.982% | 6.220% | 0 pts ($0) | $4,029/mo | $132,777 |
VA Cash-Out Refi | 0% | 640 credit score | 5.988% | 6.350% | 0 pts ($0) | $4,032/mo | $132,898 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.996% | 6.143% | 0 pts ($0) | $4,035/mo | $133,060 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,627/mo | $114,754 |
Frequently Asked Questions
What are today's mortgage rates in Marietta-Alderwood, WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Marietta-Alderwood, WA is 6.858% (with an estimated monthly payment of $3,009). Active program rates also include FHA 30-year fixed loans at 5.984% and VA 0%-down fixed loans at 5.982%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Marietta-Alderwood, 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 Marietta-Alderwood, WA have fluctuated between a low of 6.463% and a high of 6.923%. 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 Marietta-Alderwood, WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $659,188 in Marietta-Alderwood, WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $131,838 but keeps your monthly payment lower at $3,009/mo (at 6.858% interest) with no monthly PMI. In comparison, an FHA loan requires only $23,072 (3.5% down) but has an estimated payment of $3,371/mo (at 5.984% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $636,116 falls comfortably within the local HUD FHA loan limit of $758,066 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Marietta-Alderwood before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Marietta-Alderwood is $806,501. With a typical local home value of $659,188 in , a standard 20%-down mortgage requires a loan size of $527,350. 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 Marietta-Alderwood, WA impact estimated mortgage payments?
The median home value in Marietta-Alderwood, WA is estimated at $659,188. Buying a typical home here with a standard 20% down payment ($131,838) translates to an estimated starting monthly mortgage payment of $3,009 (principal and interest). Compared to the local area median household income of $68,934 ($5,745/mo), this basic housing payment represents approximately 52.4% 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.