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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 | 6.916%APR 6.953% | 0 pts$0 | $2,104/moP&I $2,104 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.945%APR 6.714% | 0 pts$0 | $2,083/moP&I $1,935 · MI $149 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.025%APR 6.077% | 0 pts$0 | $1,918/moP&I $1,918 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.780%APR 6.817% | 0 pts$0 | $2,076/moP&I $2,076 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.677% | 0 pts$0 | $2,258/moP&I $2,258 · 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 | 6.025% | 6.077% | 0 pts ($0) | $2,696/mo | $53,995 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.021% | 6.075% | 0 pts ($0) | $3,370/mo | $75,224 |
Condo 10% Down | 10% | 720 credit score | 7.215% | 7.385% | 0 pts ($0) | $2,440/mo | $85,691 |
Conventional 10% Down | 10% | 720 credit score | 6.620% | 6.776% | 0 pts ($0) | $2,297/mo | $79,255 |
Conventional 20% Down | 20% | 740 credit score | 6.916% | 6.953% | 0 pts ($0) | $2,104/mo | $65,159 |
Conventional 5% Down | 5% | 700 credit score | 7.037% | 7.516% | 0 pts ($0) | $2,530/mo | $88,418 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.360% | 7.400% | 0 pts ($0) | $2,750/mo | $94,564 |
Conventional High Balance | 10% | 740 credit score | 7.019% | 7.052% | 0 pts ($0) | $2,392/mo | $81,417 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.821% | 7.197% | 0 pts ($0) | $2,527/mo | $91,243 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.780% | 6.817% | 0 pts ($0) | $2,594/mo | $87,591 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,291/mo | $78,457 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.945% | 6.714% | 0 pts ($0) | $2,334/mo | $81,727 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,416/mo | $84,582 |
FHA Streamline Refi | 0% | 640 credit score | 6.062% | 6.833% | 0 pts ($0) | $2,449/mo | $86,118 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.999% | 7.244% | 0 pts ($0) | $2,520/mo | $91,394 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,495/mo | $48,846 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.677% | 0 pts ($0) | $2,117/mo | $67,483 |
Jumbo Conforming | 20% | 760 credit score | 7.081% | 7.114% | 0 pts ($0) | $2,140/mo | $66,746 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,319/mo | $71,098 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.303% | 7.078% | 0 pts ($0) | $2,424/mo | $85,941 |
Second Home 10% Down | 10% | 720 credit score | 5.949% | 6.522% | 0 pts ($0) | $2,140/mo | $72,012 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,098/mo | $64,851 |
VA 0% Down | 0% | 700 credit score | 6.065% | 6.310% | 0 pts ($0) | $2,459/mo | $81,340 |
VA Cash-Out Refi | 0% | 640 credit score | 6.068% | 6.438% | 0 pts ($0) | $2,460/mo | $81,376 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.075% | 6.228% | 0 pts ($0) | $2,462/mo | $81,462 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,194/mo | $69,420 |
Frequently Asked Questions
What are today's mortgage rates in [SD not defined], AZ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in [SD not defined], AZ is 6.916% (with an estimated monthly payment of $2,087). Active program rates also include FHA 30-year fixed loans at 5.945% and VA 0%-down fixed loans at 6.065%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in [SD not defined], 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 [SD not defined], AZ have fluctuated between a low of 6.550% and a high of 6.995%. 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 [SD not defined], AZ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $398,776 in [SD not defined], AZ, a standard 20%-down Conventional loan requires an upfront cash down payment of $79,755 but keeps your monthly payment lower at $2,087/mo (at 6.916% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,957 (3.5% down) but has an estimated payment of $2,314/mo (at 5.945% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $384,819 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 [SD not defined] before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in [SD not defined] is $806,501. With a typical local home value of $398,776 in , a standard 20%-down mortgage requires a loan size of $319,021. 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 [SD not defined], AZ impact estimated mortgage payments?
The median home value in [SD not defined], AZ is estimated at $398,776. Buying a typical home here with a standard 20% down payment ($79,755) translates to an estimated starting monthly mortgage payment of $2,087 (principal and interest). Compared to the local area median household income of $61,812 ($5,151/mo), this basic housing payment represents approximately 40.5% 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.