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 | 6.946%APR 6.984% | 0 pts$0 | $1,165/moP&I $1,165 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.953%APR 6.723% | 0 pts$0 | $1,151/moP&I $1,069 · MI $82 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.088%APR 6.142% | 0 pts$0 | $1,066/moP&I $1,066 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.903%APR 6.941% | 0 pts$0 | $1,160/moP&I $1,160 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.694% | 0 pts$0 | $1,247/moP&I $1,247 · 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 | 6.088% | 6.142% | 0 pts ($0) | $1,495/mo | $30,131 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.052% | 6.107% | 0 pts ($0) | $1,864/mo | $41,727 |
Condo 10% Down | 10% | 720 credit score | 7.269% | 7.442% | 0 pts ($0) | $1,354/mo | $47,631 |
Conventional 10% Down | 10% | 720 credit score | 6.771% | 6.931% | 0 pts ($0) | $1,288/mo | $44,656 |
Conventional 20% Down | 20% | 740 credit score | 6.946% | 6.984% | 0 pts ($0) | $1,165/mo | $36,132 |
Conventional 5% Down | 5% | 700 credit score | 7.078% | 7.561% | 0 pts ($0) | $1,402/mo | $49,072 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.389% | 7.430% | 0 pts ($0) | $1,523/mo | $52,399 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,303/mo | $44,142 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.830% | 7.208% | 0 pts ($0) | $1,396/mo | $50,431 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.903% | 6.941% | 0 pts ($0) | $1,450/mo | $49,172 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,817/mo | $43,314 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.953% | 6.723% | 0 pts ($0) | $1,290/mo | $45,171 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,334/mo | $46,695 |
FHA Streamline Refi | 0% | 640 credit score | 6.074% | 6.846% | 0 pts ($0) | $1,354/mo | $47,624 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.036% | 7.282% | 0 pts ($0) | $1,397/mo | $50,689 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,377/mo | $26,967 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.694% | 0 pts ($0) | $1,169/mo | $37,255 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,187/mo | $37,082 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,280/mo | $39,251 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.315% | 7.091% | 0 pts ($0) | $1,340/mo | $47,524 |
Second Home 10% Down | 10% | 720 credit score | 5.959% | 6.533% | 0 pts ($0) | $1,183/mo | $39,815 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,158/mo | $35,803 |
VA 0% Down | 0% | 700 credit score | 6.077% | 6.323% | 0 pts ($0) | $1,359/mo | $44,987 |
VA Cash-Out Refi | 0% | 640 credit score | 6.080% | 6.451% | 0 pts ($0) | $1,360/mo | $45,007 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.087% | 6.241% | 0 pts ($0) | $1,361/mo | $45,054 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,211/mo | $38,325 |
Frequently Asked Questions
What are today's mortgage rates in So-Hi, AZ across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in So-Hi, AZ is 6.946% (with an estimated monthly payment of $1,847). Active program rates also include FHA 30-year fixed loans at 5.953% and VA 0%-down fixed loans at 6.077%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in So-Hi, 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 So-Hi, AZ have fluctuated between a low of 6.601% and a high of 7.053%. 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 So-Hi, AZ?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $220,154 in So-Hi, AZ, a standard 20%-down Conventional loan requires an upfront cash down payment of $44,031 but keeps your monthly payment lower at $1,847/mo (at 6.946% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,705 (3.5% down) but has an estimated payment of $2,044/mo (at 5.953% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $212,449 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 So-Hi before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in So-Hi is $806,501. With a typical local home value of $220,154 in , a standard 20%-down mortgage requires a loan size of $176,123. 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 So-Hi, AZ impact estimated mortgage payments?
The median home value in So-Hi, AZ is estimated at $220,154. Buying a typical home here with a standard 20% down payment ($44,031) translates to an estimated starting monthly mortgage payment of $1,847 (principal and interest). Compared to the local area median household income of $39,408 ($3,284/mo), this basic housing payment represents approximately 56.2% 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.