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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 | 6.828%APR 6.862% | 0 pts$0 | $2,355/moP&I $2,355 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $2,359/moP&I $2,191 · MI $168 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.875%APR 5.922% | 0 pts$0 | $2,130/moP&I $2,130 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.553%APR 6.586% | 0 pts$0 | $2,289/moP&I $2,289 · MI $0 | See details |
| Investment Property FixedConforming | 7.510%APR 7.548% | 0 pts$0 | $2,521/moP&I $2,521 · 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 | 5.875% | 5.922% | 0 pts ($0) | $3,015/mo | $59,390 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.874% | 5.922% | 0 pts ($0) | $3,768/mo | $83,003 |
Condo 10% Down | 10% | 720 credit score | 7.026% | 7.190% | 0 pts ($0) | $2,703/mo | $94,426 |
Conventional 10% Down | 10% | 720 credit score | 6.512% | 6.664% | 0 pts ($0) | $2,564/mo | $88,152 |
Conventional 20% Down | 20% | 740 credit score | 6.828% | 6.862% | 0 pts ($0) | $2,355/mo | $72,602 |
Conventional 5% Down | 5% | 700 credit score | 6.954% | 7.427% | 0 pts ($0) | $2,832/mo | $98,744 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.269% | 7.306% | 0 pts ($0) | $3,077/mo | $105,515 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,664/mo | $90,261 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.695% | 7.066% | 0 pts ($0) | $2,816/mo | $101,345 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.553% | 6.586% | 0 pts ($0) | $2,861/mo | $95,802 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,715/mo | $88,569 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $2,643/mo | $92,658 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,727/mo | $95,482 |
FHA Streamline Refi | 0% | 640 credit score | 6.104% | 6.874% | 0 pts ($0) | $2,777/mo | $97,795 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.928% | 7.169% | 0 pts ($0) | $2,825/mo | $102,257 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,816/mo | $55,142 |
Investment Property 25% Down | 25% | 740 credit score | 7.510% | 7.548% | 0 pts ($0) | $2,363/mo | $75,008 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,426/mo | $75,826 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,618/mo | $80,261 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.344% | 7.118% | 0 pts ($0) | $2,749/mo | $97,562 |
Second Home 10% Down | 10% | 720 credit score | 7.498% | 7.671% | 0 pts ($0) | $2,832/mo | $100,194 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,368/mo | $73,209 |
VA 0% Down | 0% | 700 credit score | 5.951% | 6.192% | 0 pts ($0) | $2,743/mo | $90,247 |
VA Cash-Out Refi | 0% | 640 credit score | 5.957% | 6.321% | 0 pts ($0) | $2,744/mo | $90,330 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.970% | 6.119% | 0 pts ($0) | $2,748/mo | $90,510 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,477/mo | $78,367 |
Frequently Asked Questions
What are today's mortgage rates in Port Hadlock-Irondale, WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Port Hadlock-Irondale, WA is 6.828% (with an estimated monthly payment of $3,304). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at 5.951%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Port Hadlock-Irondale, 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 Port Hadlock-Irondale, WA have fluctuated between a low of 6.448% and a high of 6.909%. 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 Port Hadlock-Irondale, WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $450,170 in Port Hadlock-Irondale, WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $90,034 but keeps your monthly payment lower at $3,304/mo (at 6.828% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,756 (3.5% down) but has an estimated payment of $3,293/mo (at 5.975% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $434,414 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 Port Hadlock-Irondale before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Port Hadlock-Irondale is $806,501. With a typical local home value of $450,170 in , a standard 20%-down mortgage requires a loan size of $360,136. 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 Port Hadlock-Irondale, WA impact estimated mortgage payments?
The median home value in Port Hadlock-Irondale, WA is estimated at $450,170. Buying a typical home here with a standard 20% down payment ($90,034) translates to an estimated starting monthly mortgage payment of $3,304 (principal and interest). Compared to the local area median household income of $87,332 ($7,278/mo), this basic housing payment represents approximately 45.4% 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.