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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 | 6.947%APR 6.985% | 0 pts$0 | $1,628/moP&I $1,628 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.954%APR 6.724% | 0 pts$0 | $1,608/moP&I $1,494 · MI $115 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.089%APR 6.143% | 0 pts$0 | $1,489/moP&I $1,489 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.910%APR 6.949% | 0 pts$0 | $1,622/moP&I $1,622 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.694% | 0 pts$0 | $1,741/moP&I $1,741 · 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 | 6.089% | 6.143% | 0 pts ($0) | $2,088/mo | $42,100 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.067% | 6.122% | 0 pts ($0) | $2,606/mo | $58,426 |
Condo 10% Down | 10% | 720 credit score | 7.269% | 7.442% | 0 pts ($0) | $1,892/mo | $66,540 |
Conventional 10% Down | 10% | 720 credit score | 6.772% | 6.933% | 0 pts ($0) | $1,799/mo | $62,393 |
Conventional 20% Down | 20% | 740 credit score | 6.947% | 6.985% | 0 pts ($0) | $1,628/mo | $50,484 |
Conventional 5% Down | 5% | 700 credit score | 7.079% | 7.561% | 0 pts ($0) | $1,959/mo | $68,562 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.390% | 7.431% | 0 pts ($0) | $2,127/mo | $73,211 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,820/mo | $61,666 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.830% | 7.208% | 0 pts ($0) | $1,951/mo | $70,452 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.910% | 6.949% | 0 pts ($0) | $2,028/mo | $68,759 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,538/mo | $60,510 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.954% | 6.724% | 0 pts ($0) | $1,802/mo | $63,113 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,863/mo | $65,233 |
FHA Streamline Refi | 0% | 640 credit score | 6.075% | 6.847% | 0 pts ($0) | $1,891/mo | $66,540 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.036% | 7.282% | 0 pts ($0) | $1,951/mo | $70,813 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,924/mo | $37,673 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.694% | 0 pts ($0) | $1,633/mo | $52,046 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,658/mo | $51,804 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,788/mo | $54,834 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.315% | 7.091% | 0 pts ($0) | $1,872/mo | $66,391 |
Second Home 10% Down | 10% | 720 credit score | 5.959% | 6.533% | 0 pts ($0) | $1,652/mo | $55,622 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,618/mo | $50,016 |
VA 0% Down | 0% | 700 credit score | 6.077% | 6.323% | 0 pts ($0) | $1,899/mo | $62,846 |
VA Cash-Out Refi | 0% | 640 credit score | 6.080% | 6.451% | 0 pts ($0) | $1,900/mo | $62,875 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.087% | 6.241% | 0 pts ($0) | $1,901/mo | $62,941 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,692/mo | $53,540 |
Frequently Asked Questions
What are today's mortgage rates in West Clarkston-Highland, WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in West Clarkston-Highland, WA is 6.947% (with an estimated monthly payment of $1,843). Active program rates also include FHA 30-year fixed loans at 5.954% 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 West Clarkston-Highland, WA?
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 West Clarkston-Highland, WA have fluctuated between a low of 6.602% and a high of 7.054%. 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 West Clarkston-Highland, WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $307,555 in West Clarkston-Highland, WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $61,511 but keeps your monthly payment lower at $1,843/mo (at 6.947% interest) with no monthly PMI. In comparison, an FHA loan requires only $10,764 (3.5% down) but has an estimated payment of $2,040/mo (at 5.954% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $296,791 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 West Clarkston-Highland before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in West Clarkston-Highland is $806,501. With a typical local home value of $307,555 in , a standard 20%-down mortgage requires a loan size of $246,044. 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 West Clarkston-Highland, WA impact estimated mortgage payments?
The median home value in West Clarkston-Highland, WA is estimated at $307,555. Buying a typical home here with a standard 20% down payment ($61,511) translates to an estimated starting monthly mortgage payment of $1,843 (principal and interest). Compared to the local area median household income of $59,583 ($4,965/mo), this basic housing payment represents approximately 37.1% 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.