30-Year Fixed
Conforming conventional
- Market rate
- 6.542%
- Daily change
- 0.027 pts
- Est. monthly principal & interest
- $2,539
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
Latest available rate snapshot
Compare mortgage rates side by side.
Review the latest available market averages and estimate principal-and-interest payments for your loan amount. No forms, no phone calls, and no hard credit pull.
30-year conforming6.542%
15-year conforming5.929%
Latest available Available in PA
Market averages for your comparison
$400,000 loan · 80% LTV · July 9, 2026
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6 products
Conventional
Fixed-rate mortgage averages
Common conforming options with predictable principal-and-interest payments.
| Program | Rate | Daily change | Est. monthly P&I | Next step |
|---|---|---|---|---|
30-Year Fixed Conforming conventional | 6.542% market average | 0.027 pts | $2,539 principal & interest | Estimate |
15-Year Fixed Conforming conventional | 5.929% market average | 0.059 pts | $3,360 principal & interest | Estimate |
Fallback market snapshot as of July 9, 2026. Payments use the loan amount entered and include principal and interest only.
15-Year Fixed
Conforming conventional
- Market rate
- 5.929%
- Daily change
- 0.059 pts
- Est. monthly principal & interest
- $3,360
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
Government-backed
FHA, VA, and USDA averages
Program averages; eligibility and mortgage-insurance rules vary by borrower.
| Program | Rate | Daily change | Est. monthly P&I | Next step |
|---|---|---|---|---|
30-Year FHA Government-insured | 6.366% market average | 0.064 pts | $2,493 principal & interest | Estimate |
30-Year VA For eligible service members | 6.167% market average | 0.006 pts | $2,441 principal & interest | Estimate |
30-Year USDA Eligible rural properties | 6.369% market average | 0.126 pts | $2,494 principal & interest | Estimate |
Fallback market snapshot as of July 9, 2026. Payments use the loan amount entered and include principal and interest only.
30-Year FHA
Government-insured
- Market rate
- 6.366%
- Daily change
- 0.064 pts
- Est. monthly principal & interest
- $2,493
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
30-Year VA
For eligible service members
- Market rate
- 6.167%
- Daily change
- 0.006 pts
- Est. monthly principal & interest
- $2,441
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
30-Year USDA
Eligible rural properties
- Market rate
- 6.369%
- Daily change
- 0.126 pts
- Est. monthly principal & interest
- $2,494
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
Higher loan amounts
Jumbo mortgage average
For loan amounts above applicable conforming limits.
| Program | Rate | Daily change | Est. monthly P&I | Next step |
|---|---|---|---|---|
30-Year Jumbo Above conforming limits | 6.730% market average | 0.092 pts | $2,589 principal & interest | Estimate |
Fallback market snapshot as of July 9, 2026. Payments use the loan amount entered and include principal and interest only.
30-Year Jumbo
Above conforming limits
- Market rate
- 6.730%
- Daily change
- 0.092 pts
- Est. monthly principal & interest
- $2,589
Estimate this loan
Average as of July 9, 2026. Not a personalized offer.
What these numbers mean
Rates are market averages, not personalized offers. Estimated payments are principal and interest only and exclude taxes, insurance, HOA dues, mortgage insurance, points, and closing costs. Credit, property, occupancy, loan-to-value, and lender pricing can change your actual terms.
Pre-application results are estimates based on information provided and are not a formal Loan Estimate, loan approval, or commitment to lend. A formal Loan Estimate is provided after a mortgage application is submitted with the required information.
OnlyRates currently supports borrowers in Pennsylvania.
Market at a glance
One clear snapshot. Six common products.
Daily movement compares each stored average with the prior business-day snapshot.
Latest available snapshot · July 9, 2026
30-Year Fixed
6.542%
0.027 pts
30-Year Jumbo
6.730%
0.092 pts
30-Year FHA
6.366%
0.064 pts
30-Year VA
6.167%
0.006 pts
30-Year USDA
6.369%
0.126 pts
15-Year Fixed
5.929%
0.059 pts
Market rate
A broad average—not a personalized quote, approval, or promise of terms.
Daily change
Movement in percentage points versus the previous stored business-day average.
Estimated P&I
Principal and interest based on your loan amount; taxes, insurance, and fees are separate.
Google reviews
Customer reviewsWhat borrowers say
Responsive, professional guidance with a smooth, stress-free process.
Borrowers consistently highlight clear communication, knowledgeable support, and a team that keeps the mortgage process moving from first question to closing.
Rated 4.9 out of 5 across 145 Google reviews, including 142 five-star experiences.
Five-star borrower stories
A selection from 142 five-star Google reviews.
“Alex Reinig is a great person to work with. He explained everything in detail and the best options available for me. Alex made my loan application and process go smoothly - he was in contact with underwriter at all times - keeping me informed on the process It was a pleasure to work with Alex.”
Rebeca C.
Edited a week ago
Google review
“I had an outstanding experience working with Alex from Red Tree Mortgage! From the very beginning, he was knowledgeable, professional, and always willing to answer my questions. They kept me informed every step of the way, explained everything clearly, and made what could have been a stressful process feel smooth and manageable…”
Natalie B.
a week ago
Google review
“Scott Carlin was absolutely the best to work with. My boyfriend and I were first time home buyers and we were referred to contact Scott. From the initial phone call we knew he was the best. Scott was quick to respond to any and all questions we had and he did not stop until we got to close on our house…”
Kailin C.
a year ago
Google review
“Scott Carlin was the best loan officer I’ve worked with. He was always responsive and worked tirelessly on getting me the best rate possible. The only time that I wasted was shopping other lenders. Thanks again Scott!”
Clarke
a year ago
Google review
“Nadeem is wonderful to work with! He explained a lot of complex topics in an easy way for a first time homebuyer, and kept me on track for important dates. He is very knowledgeable and I would highly recommend using him and Red Tree Mortgage. Thank you for getting us to the finish line, Nadeem!!!”
Kristen
a year ago
Google review
“I worked with Scott Carlin and he was fantastic. I've closed and refinanced several homes and never met a loan officer who worked harder to help us manage our complex situation and get the deal across the line…”
Patrick B.
2 years ago
Google review
“Nadeem went above and beyond to get my mortgage closed on the day that it needed to be. He was on top of everything every step of the way, Highly recommend him due to his professionalism and responsiveness through the entire mortgage process”
Vincent L.
2 years ago
Google review
“Alex and Vega were so great to work with! As a first time home buyer I had many questions and they smoothly walked me through the process while answering my questions. I had a great experience with them and highly recommended Red Tree Mortgage!”
Maison T.
2 years ago
Google review
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