Mortgage rates in Pennsylvania have held steady into 2013 as the new year begins. Pa Refinance rates currently are in the 3.5 to 3.875 range on a 30 year fixed rate mortgage for well qualified applicants for both rate term refinances and cash out refinances. First time home buyer FHA loans in Pa are currently hovering around the same range with 3.5% down programs still available with a 640 or better credit score.