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 | 7.625% 7.683% APR | $639 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 7.447% Highest 7.625% Today 7.625% | |||||
Lower Credit FHA FHA for buyers with lower credit scores +$50/mo MI | 3.5% Down580 FICO30-yr | 6.475% 7.259% APR | $698 Principal & Interest | $0 Points | |
FHA 3.5% Down FHA purchase, 3.5% down +$50/mo MI | 3.5% Down680 FICO30-yr | 6.529% 7.314% APR | $702 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$50/mo MI | 0% Down640 FICO30-yr | 6.529% 7.314% APR | $702 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.547% 7.143% APR | $656 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.623% 6.884% APR | $738 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.623% 7.015% APR | $720 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.634% 6.801% APR | $659 Principal & Interest | $0 Points | |
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.712% 6.860% APR | $908 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 | |
HomeReady Fannie Mae HomeReady, low-income buyers +$64/mo MI | 3% Down660 FICO30-yr | 6.923% 7.308% APR | $722 Principal & Interest | $0 Points | |
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 7.057% 7.130% APR | $814 Principal & Interest | $0 Points | |
10% Down Conv. Conventional purchase, 10% down +$68/mo MI | 10% Down720 FICO30-yr | 7.294% 7.470% APR | $695 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$71/mo MI | 5% Down680 FICO30-yr | 7.298% 7.555% APR | $734 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$71/mo MI | 5% Down700 FICO30-yr | 7.327% 7.824% APR | $737 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.397% 7.635% APR | $712 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.625% 7.841% APR | $639 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$61/mo MI | 10% Down720 FICO30-yr | 7.625% 7.924% APR | $575 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.967% APR | $599 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.