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 | 7.573% 7.620% APR | $673 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 7.392% Highest 7.573% Today 7.573% | |||||
Lower Credit FHA FHA for buyers with lower credit scores +$53/mo MI | 3.5% Down580 FICO30-yr | 6.465% 7.248% APR | $739 Principal & Interest | $0 Points | |
FHA 3.5% Down FHA purchase, 3.5% down +$53/mo MI | 3.5% Down680 FICO30-yr | 6.520% 7.303% APR | $743 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$53/mo MI | 0% Down640 FICO30-yr | 6.520% 7.303% APR | $743 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.532% 7.126% APR | $694 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.615% 6.875% APR | $780 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.621% 6.787% APR | $697 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.623% 7.013% APR | $762 Principal & Interest | $0 Points | |
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.705% 6.808% APR | $915 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 +$68/mo MI | 3% Down660 FICO30-yr | 6.921% 7.305% APR | $765 Principal & Interest | $0 Points | |
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 6.933% 7.003% APR | $855 Principal & Interest | $0 Points | |
10% Down Conv. Conventional purchase, 10% down +$72/mo MI | 10% Down720 FICO30-yr | 7.250% 7.424% APR | $733 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$76/mo MI | 5% Down680 FICO30-yr | 7.296% 7.551% APR | $778 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$76/mo MI | 5% Down700 FICO30-yr | 7.325% 7.820% APR | $780 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.422% 7.577% APR | $719 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.625% 7.817% APR | $676 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$65/mo MI | 10% Down720 FICO30-yr | 7.625% 7.907% APR | $609 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.951% APR | $634 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.