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 | 7.144% 7.174% APR | $1,186 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 6.892% Highest 7.144% Today 7.144% | |||||
15-Year Purchase 15-year fixed purchase | 20% Down740 FICO15-yr | 6.306% 6.350% APR | $1,512 Principal & Interest | $0 Points | |
15-Year Refi 15-year fixed refinance | 0% Down740 FICO15-yr | 6.306% 6.351% APR | $1,515 Principal & Interest | $0 Points | |
Second Home Vacation or second home purchase | 10% Down720 FICO30-yr | 6.343% 6.919% APR | $1,250 Principal & Interest | $0 Points | |
FHA 3.5% Down FHA purchase, 3.5% down +$97/mo MI | 3.5% Down680 FICO30-yr | 6.358% 7.126% APR | $1,343 Principal & Interest | $0 Points | |
FHA Streamline FHA streamline refinance +$97/mo MI | 0% Down640 FICO30-yr | 6.358% 7.126% APR | $1,343 Principal & Interest | $0 Points | |
Lower Credit FHA FHA for buyers with lower credit scores +$97/mo MI | 3.5% Down580 FICO30-yr | 6.375% 7.143% APR | $1,345 Principal & Interest | $0 Points | |
VA 0% Down VA purchase, no down payment | 0% Down700 FICO30-yr | 6.448% 6.692% APR | $1,410 Principal & Interest | $0 Points | |
VA Cash-Out VA cash-out refinance | 0% Down640 FICO30-yr | 6.452% 6.824% APR | $1,377 Principal & Interest | $0 Points | |
VA IRRRL VA streamline refinance | 0% Down640 FICO30-yr | 6.469% 6.620% APR | $1,261 Principal & Interest | $0 Points | |
Jumbo Jumbo loan above conforming limits | 20% Down760 FICO30-yr | 6.875% 6.985% APR | $5,536 Principal & Interest | $0 Points | |
10% Down Conv. Conventional purchase, 10% down +$132/mo MI | 10% Down720 FICO30-yr | 6.884% 7.037% APR | $1,299 Principal & Interest | $0 Points | |
HomeReady Fannie Mae HomeReady, low-income buyers +$124/mo MI | 3% Down660 FICO30-yr | 6.944% 7.316% APR | $1,409 Principal & Interest | $0 Points | |
Rate/Term Refi Conventional rate/term refinance | 0% Down740 FICO30-yr | 7.251% 7.285% APR | $1,201 Principal & Interest | $0 Points | |
House Hacking Multi-unit owner-occupied purchase +$139/mo MI | 5% Down680 FICO30-yr | 7.319% 7.561% APR | $1,433 Principal & Interest | $0 Points | |
5% Down Conv. Conventional, avg credit, 5% down +$139/mo MI | 5% Down700 FICO30-yr | 7.348% 7.830% APR | $1,437 Principal & Interest | $0 Points | |
Condo 10% Down Condo purchase, 10% down +$119/mo MI | 10% Down720 FICO30-yr | 7.373% 7.538% APR | $1,092 Principal & Interest | $0 Points | |
Cash-Out Refi Conventional cash-out refinance | 0% Down740 FICO30-yr | 7.500% 7.532% APR | $1,228 Principal & Interest | $0 Points | |
Investment Property Non-owner occupied rental | 25% Down740 FICO30-yr | 7.625% 7.737% APR | $1,166 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.