Select your Scenario
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 | 6.865%APR 6.900% | 0 pts$0 | $822/moP&I $822 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.000%APR 6.769% | 0 pts$0 | $822/moP&I $764 · MI $58 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.941%APR 5.990% | 0 pts$0 | $746/moP&I $746 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.824%APR 6.859% | 0 pts$0 | $818/moP&I $818 · MI $0 | See details |
| Investment Property FixedConforming | 7.576%APR 7.616% | 0 pts$0 | $882/moP&I $882 · 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 | 5.941% | 5.990% | 0 pts ($0) | $1,053/mo | $20,886 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.911% | 5.961% | 0 pts ($0) | $1,313/mo | $29,023 |
Condo 10% Down | 10% | 720 credit score | 7.094% | 7.261% | 0 pts ($0) | $946/mo | $33,115 |
Conventional 10% Down | 10% | 720 credit score | 6.560% | 6.715% | 0 pts ($0) | $896/mo | $30,849 |
Conventional 20% Down | 20% | 740 credit score | 6.865% | 6.900% | 0 pts ($0) | $822/mo | $25,379 |
Conventional 5% Down | 5% | 700 credit score | 6.986% | 7.463% | 0 pts ($0) | $988/mo | $34,471 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.310% | 7.348% | 0 pts ($0) | $1,074/mo | $36,875 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $926/mo | $31,378 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.773% | 7.147% | 0 pts ($0) | $987/mo | $35,588 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.824% | 6.859% | 0 pts ($0) | $1,023/mo | $34,582 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,291/mo | $30,790 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.000% | 6.769% | 0 pts ($0) | $921/mo | $32,327 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $948/mo | $33,194 |
FHA Streamline Refi | 0% | 640 credit score | 6.145% | 6.916% | 0 pts ($0) | $970/mo | $34,194 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.960% | 7.203% | 0 pts ($0) | $985/mo | $35,692 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $979/mo | $19,170 |
Investment Property 25% Down | 25% | 740 credit score | 7.576% | 7.616% | 0 pts ($0) | $827/mo | $26,310 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $843/mo | $26,360 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $910/mo | $27,902 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.371% | 7.146% | 0 pts ($0) | $958/mo | $34,042 |
Second Home 10% Down | 10% | 720 credit score | 6.019% | 6.593% | 0 pts ($0) | $846/mo | $28,557 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $823/mo | $25,451 |
VA 0% Down | 0% | 700 credit score | 5.997% | 6.239% | 0 pts ($0) | $958/mo | $31,595 |
VA Cash-Out Refi | 0% | 640 credit score | 6.002% | 6.368% | 0 pts ($0) | $959/mo | $31,619 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.024% | 6.175% | 0 pts ($0) | $961/mo | $31,724 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $861/mo | $27,244 |
Frequently Asked Questions
What are today's mortgage rates in New Kingman-Butler, AZ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in New Kingman-Butler, AZ is 6.865% (with an estimated monthly payment of $2,617). Active program rates also include FHA 30-year fixed loans at 6.000% and VA 0%-down fixed loans at 5.997%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in New Kingman-Butler, AZ?
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 New Kingman-Butler, AZ have fluctuated between a low of 6.487% and a high of 6.947%. 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 New Kingman-Butler, AZ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $156,498 in New Kingman-Butler, AZ, a standard 20%-down Conventional loan requires an upfront cash down payment of $31,300 but keeps your monthly payment lower at $2,617/mo (at 6.865% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,477 (3.5% down) but has an estimated payment of $2,934/mo (at 6.000% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $151,021 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 New Kingman-Butler before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in New Kingman-Butler is $806,501. With a typical local home value of $156,498 in , a standard 20%-down mortgage requires a loan size of $125,198. 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 New Kingman-Butler, AZ impact estimated mortgage payments?
The median home value in New Kingman-Butler, AZ is estimated at $156,498. Buying a typical home here with a standard 20% down payment ($31,300) translates to an estimated starting monthly mortgage payment of $2,617 (principal and interest). Compared to the local area median household income of $49,240 ($4,103/mo), this basic housing payment represents approximately 63.8% 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.