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 | 7.187% 7.223% APR | $1,064 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 6.935% Highest 7.187% Today 7.187% | |||||
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.314% 6.384% APR | $1,422 Principal & Interest | $0 Points | |
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 6.345% 6.397% APR | $1,353 Principal & Interest | $0 Points | |
FHA 3.5% Down FHA purchase, 3.5% down +$87/mo MI | 3.5% Down680 FICO30-yr | 6.365% 7.138% APR | $1,200 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$87/mo MI | 0% Down640 FICO30-yr | 6.365% 7.138% APR | $1,200 Principal & Interest | $0 Points | |
Lower Credit FHA FHA for buyers with lower credit scores +$87/mo MI | 3.5% Down580 FICO30-yr | 6.377% 7.150% APR | $1,202 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.378% 6.960% APR | $1,121 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.470% 6.720% APR | $1,262 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.476% 6.854% APR | $1,233 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.487% 6.643% APR | $1,128 Principal & Interest | $0 Points | |
HomeReady Fannie Mae HomeReady, low-income buyers +$111/mo MI | 3% Down660 FICO30-yr | 6.854% 7.228% APR | $1,247 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 | |
10% Down Conv. Conventional purchase, 10% down +$118/mo MI | 10% Down720 FICO30-yr | 6.928% 7.088% APR | $1,166 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$124/mo MI | 5% Down680 FICO30-yr | 7.223% 7.469% APR | $1,267 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$124/mo MI | 5% Down700 FICO30-yr | 7.252% 7.736% APR | $1,271 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.258% 7.332% APR | $1,127 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$106/mo MI | 10% Down720 FICO30-yr | 7.439% 7.612% APR | $981 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.566% 7.604% APR | $1,104 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.771% APR | $1,041 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.
Get a custom quote for Tazewell County, take our product quiz to find the right loan, or save this rate to your dashboard.
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.