30-Year Fixed Jumbo Mortgage Refinance Interest Rates in Pennsylvania
Explore 30-year jumbo mortgage interest rates in Pennsylvania over time.
Daily refinance averages provided by the Mortgage Research Center.
Compare mortgage rates in Pennsylvania
Showing results for: 30-Year Fixed refinance offers for Single Family or Townhome properties in PA, total loan amount of $800,000.
| Lender | APR / Rate | Monthly Payment | |
|---|---|---|---|
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Rates and fees are estimates and subject to change without notice. Payments do not include taxes and insurance premiums. Actual payments may be higher. Not all lenders participate in this marketplace. Loan availability and terms may vary by state and lender. Lender offers, including badges like “Lowest APR” or “Lowest Payment,” are based only on results displayed here and may not reflect the absolute lowest offer available in the market. Rate and product details
Pennsylvania housing market snapshot
Hey Pennsylvania homeowners! The Keystone State is seeing robust activity. Prices are up and homes are selling fast.
| Metric | 2024 Stats | 2025 YTD Trends |
|---|---|---|
Market Speed | Fast | Fast: Homes on market for ~30 days. |
Median Home Value | ~$270,000 | ~$286,000 (+3% to +8% Appreciation) |
Market Status | Seller's Market | Seller's Market |
Why This Matters for Your Refinance (The LTV Factor)
- Loan-to-Value (LTV) is the percentage of the home you owe to the bank.
- The PA Boost: With values rising steadily (up to 8% in some reports), your LTV is improving naturally.
- The Strategy: If you have an FHA loan, calculate your new LTV using today's higher values. You might be able to refinance into a Conventional loan and drop that monthly mortgage insurance premium entirely!
Property taxes in Pennsylvania
Pennsylvania taxes vary wildly by school district, but on average they are on the higher side.
~1.35%
40th (High)
~$240,500
~$3,200 - $4,100
Pennsylvania refinance programs & homeowner perks
PHFA (Pennsylvania Housing Finance Agency) offers the incredible "K-FIT" program.
Visit PHFA (Pennsylvania Housing Finance Agency)Featured Program: Keystone Forgivable in Ten (K-FIT)
- Who it’s for: Qualified homebuyers with a credit score of 660+.
- Benefit: Provides 5% of the purchase price (no dollar limit!) as down payment assistance.
- Expert tip: The loan is forgiven 10% a year over 10 years. It is essentially a grant if you stay put, making it one of the most generous programs in the Northeast.
What is a 30-year fixed jumbo mortgage in Pennsylvania?
A 30-year fixed jumbo mortgage in Pennsylvania is a home loan that exceeds the conforming loan limits set by the FHFA, typically around $726,200. This mortgage has a fixed interest rate and consistent monthly payments over 30 years, suitable for high-value properties in Pennsylvania.
How do jumbo mortgage rates in Pennsylvania compare to conventional mortgage rates?
In Pennsylvania, jumbo mortgage rates are generally higher than conventional rates due to the increased risk for lenders. Rates can vary based on your financial profile and market conditions in Pennsylvania.
What are the requirements for a 30-year jumbo mortgage in Pennsylvania?
Lenders in Pennsylvania usually require a higher credit score (typically 700+), a larger down payment (often 20% or more), and a lower debt-to-income ratio compared to conventional loans.
Can I refinance a 30-year jumbo mortgage in Pennsylvania?
Yes, refinancing a jumbo mortgage in Pennsylvania is possible and can help secure a lower rate or change the loan terms. The process may be more stringent due to the higher loan amount.
What are the benefits of a 30-year fixed jumbo mortgage in Pennsylvania?
Benefits include financing higher-value properties, fixed interest rates for stability, and consistent monthly payments over 30 years for homes in Pennsylvania.
Are there closing costs for jumbo mortgages in Pennsylvania?
Yes, closing costs in Pennsylvania can be higher than for conventional loans due to the larger loan amounts and additional scrutiny during approval. They typically range from 2% to 5% of the loan amount.
How can I get the best 30-year jumbo mortgage rate in Pennsylvania?
To get the best rate in Pennsylvania, maintain a high credit score, save for a substantial down payment, and compare offers from multiple lenders. Economic conditions and lender policies in Pennsylvania also play a role.
What is the difference between a conforming and a jumbo loan in Pennsylvania?
A conforming loan in Pennsylvania adheres to the FHFA limits and can be purchased by Fannie Mae or Freddie Mac. A jumbo loan exceeds these limits and is not eligible for purchase by these entities, resulting in different qualifying criteria and potentially higher rates.
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Browse the latest 30-year jumbo mortgage refinance rates in Pennsylvania. Select your city to view current offers: