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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 | 6.843%APR 6.877% | 0 pts$0 | $4,281/moP&I $4,281 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.972%APR 6.740% | 0 pts$0 | $4,282/moP&I $3,977 · MI $305 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.898%APR 5.946% | 0 pts$0 | $3,877/moP&I $3,877 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.968%APR 7.007% | 0 pts$0 | $4,336/moP&I $4,336 · MI $0 | See details |
| Investment Property FixedConforming | 7.536%APR 7.575% | 0 pts$0 | $4,588/moP&I $4,588 · 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 | 5.898% | 5.946% | 0 pts ($0) | $5,482/mo | $108,261 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.968% | 6.019% | 0 pts ($0) | $6,883/mo | $152,920 |
Condo 10% Down | 10% | 720 credit score | 7.053% | 7.217% | 0 pts ($0) | $4,920/mo | $172,034 |
Conventional 10% Down | 10% | 720 credit score | 6.531% | 6.684% | 0 pts ($0) | $4,664/mo | $160,466 |
Conventional 20% Down | 20% | 740 credit score | 6.843% | 6.877% | 0 pts ($0) | $4,281/mo | $132,107 |
Conventional 5% Down | 5% | 700 credit score | 6.967% | 7.443% | 0 pts ($0) | $5,148/mo | $179,578 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.285% | 7.322% | 0 pts ($0) | $5,595/mo | $191,963 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,837/mo | $163,873 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.749% | 7.122% | 0 pts ($0) | $5,141/mo | $185,286 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.968% | 7.007% | 0 pts ($0) | $5,420/mo | $184,151 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,744/mo | $160,802 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.972% | 6.740% | 0 pts ($0) | $4,797/mo | $168,154 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,952/mo | $173,353 |
FHA Streamline Refi | 0% | 640 credit score | 6.099% | 6.869% | 0 pts ($0) | $5,039/mo | $177,427 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.941% | 7.182% | 0 pts ($0) | $5,135/mo | $185,958 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,113/mo | $100,112 |
Investment Property 25% Down | 25% | 740 credit score | 7.536% | 7.575% | 0 pts ($0) | $4,301/mo | $136,662 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $4,405/mo | $137,665 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,752/mo | $145,718 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.339% | 7.113% | 0 pts ($0) | $4,988/mo | $177,009 |
Second Home 10% Down | 10% | 720 credit score | 5.986% | 6.558% | 0 pts ($0) | $4,404/mo | $148,409 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,299/mo | $132,915 |
VA 0% Down | 0% | 700 credit score | 5.969% | 6.210% | 0 pts ($0) | $4,989/mo | $164,300 |
VA Cash-Out Refi | 0% | 640 credit score | 5.976% | 6.341% | 0 pts ($0) | $4,993/mo | $164,476 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.990% | 6.140% | 0 pts ($0) | $5,000/mo | $164,827 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,497/mo | $142,280 |
Frequently Asked Questions
What are today's mortgage rates in West Haven-Sylvan, OR across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in West Haven-Sylvan, OR is 6.843% (with an estimated monthly payment of $2,990). Active program rates also include FHA 30-year fixed loans at 5.972% and VA 0%-down fixed loans at 5.969%. 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 Haven-Sylvan, OR?
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 Haven-Sylvan, OR have fluctuated between a low of 6.464% and a high of 6.924%. 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 Haven-Sylvan, OR?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $817,307 in West Haven-Sylvan, OR, a standard 20%-down Conventional loan requires an upfront cash down payment of $163,461 but keeps your monthly payment lower at $2,990/mo (at 6.843% interest) with no monthly PMI. In comparison, an FHA loan requires only $28,606 (3.5% down) but has an estimated payment of $3,350/mo (at 5.972% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $788,701 falls comfortably within the local HUD FHA loan limit of $939,903 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in West Haven-Sylvan before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in West Haven-Sylvan is $806,501. With a typical local home value of $817,307 in , a standard 20%-down mortgage requires a loan size of $653,846. 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 Haven-Sylvan, OR impact estimated mortgage payments?
The median home value in West Haven-Sylvan, OR is estimated at $817,307. Buying a typical home here with a standard 20% down payment ($163,461) translates to an estimated starting monthly mortgage payment of $2,990 (principal and interest). Compared to the local area median household income of $129,185 ($10,765/mo), this basic housing payment represents approximately 27.8% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.