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 | 7.272% 7.310% APR | $935 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 7.006% Highest 7.272% Today 7.272% | |||||
FHA 3.5% Down FHA purchase, 3.5% down +$76/mo MI | 3.5% Down680 FICO30-yr | 6.380% 7.155% APR | $1,048 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$76/mo MI | 0% Down640 FICO30-yr | 6.380% 7.155% APR | $1,048 Principal & Interest | $0 Points | |
Lower Credit FHA FHA for buyers with lower credit scores +$76/mo MI | 3.5% Down580 FICO30-yr | 6.390% 7.165% APR | $1,049 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.393% 6.977% APR | $979 Principal & Interest | $0 Points | |
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.421% 6.484% APR | $1,209 Principal & Interest | $0 Points | |
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 6.479% 6.535% APR | $1,190 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.482% 6.734% APR | $1,102 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.488% 6.868% APR | $1,076 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.497% 6.655% APR | $984 Principal & Interest | $0 Points | |
HomeReady Fannie Mae HomeReady, low-income buyers +$97/mo MI | 3% Down660 FICO30-yr | 6.857% 7.233% APR | $1,088 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 +$103/mo MI | 10% Down720 FICO30-yr | 6.972% 7.134% APR | $1,021 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$108/mo MI | 5% Down680 FICO30-yr | 7.227% 7.475% APR | $1,106 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$108/mo MI | 5% Down700 FICO30-yr | 7.256% 7.742% APR | $1,109 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.338% 7.395% APR | $960 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$92/mo MI | 10% Down720 FICO30-yr | 7.519% 7.696% APR | $862 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.625% 7.686% APR | $968 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.810% APR | $908 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.
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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.