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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 | 6.891%APR 6.927% | 0 pts$0 | $2,221/moP&I $2,221 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.033%APR 6.803% | 0 pts$0 | $2,224/moP&I $2,066 · MI $157 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.981%APR 6.032% | 0 pts$0 | $2,019/moP&I $2,019 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.922%APR 6.958% | 0 pts$0 | $2,228/moP&I $2,228 · MI $0 | See details |
| Investment Property FixedConforming | 7.613%APR 7.654% | 0 pts$0 | $2,386/moP&I $2,386 · 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 | 5.981% | 6.032% | 0 pts ($0) | $2,845/mo | $56,693 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.941% | 5.992% | 0 pts ($0) | $3,547/mo | $78,604 |
Condo 10% Down | 10% | 720 credit score | 7.131% | 7.299% | 0 pts ($0) | $2,560/mo | $89,693 |
Conventional 10% Down | 10% | 720 credit score | 6.588% | 6.743% | 0 pts ($0) | $2,422/mo | $83,481 |
Conventional 20% Down | 20% | 740 credit score | 6.891% | 6.927% | 0 pts ($0) | $2,221/mo | $68,679 |
Conventional 5% Down | 5% | 700 credit score | 7.002% | 7.480% | 0 pts ($0) | $2,667/mo | $93,117 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.332% | 7.371% | 0 pts ($0) | $2,901/mo | $99,685 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,497/mo | $84,588 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.799% | 7.174% | 0 pts ($0) | $2,668/mo | $96,257 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.922% | 6.958% | 0 pts ($0) | $2,785/mo | $94,470 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,481/mo | $83,002 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.033% | 6.803% | 0 pts ($0) | $2,492/mo | $87,557 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,556/mo | $89,481 |
FHA Streamline Refi | 0% | 640 credit score | 6.217% | 6.990% | 0 pts ($0) | $2,634/mo | $93,107 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.978% | 7.222% | 0 pts ($0) | $2,660/mo | $96,434 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,639/mo | $51,676 |
Investment Property 25% Down | 25% | 740 credit score | 7.613% | 7.654% | 0 pts ($0) | $2,237/mo | $71,277 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,274/mo | $71,060 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,453/mo | $75,216 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.402% | 7.178% | 0 pts ($0) | $2,592/mo | $92,153 |
Second Home 10% Down | 10% | 720 credit score | 6.057% | 6.632% | 0 pts ($0) | $2,290/mo | $77,415 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,219/mo | $68,608 |
VA 0% Down | 0% | 700 credit score | 6.027% | 6.271% | 0 pts ($0) | $2,591/mo | $85,559 |
VA Cash-Out Refi | 0% | 640 credit score | 6.038% | 6.406% | 0 pts ($0) | $2,594/mo | $85,702 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.063% | 6.215% | 0 pts ($0) | $2,601/mo | $86,025 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,321/mo | $73,442 |
Frequently Asked Questions
What are today's mortgage rates in 01036, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01036, , MA is 6.891% (with an estimated monthly payment of $2,346). Active program rates also include FHA 30-year fixed loans at 6.033% and VA 0%-down fixed loans at 6.027%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01036, , MA?
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 01036, , MA have fluctuated between a low of 6.507% and a high of 6.969%. 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 01036, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $421,876 in 01036, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $84,375 but keeps your monthly payment lower at $2,346/mo (at 6.891% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,766 (3.5% down) but has an estimated payment of $2,633/mo (at 6.033% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $407,110 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 01036 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01036 is $806,501. With a typical local home value of $421,876 in , a standard 20%-down mortgage requires a loan size of $337,501. 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 01036, , MA impact estimated mortgage payments?
The median home value in 01036, , MA is estimated at $421,876. Buying a typical home here with a standard 20% down payment ($84,375) translates to an estimated starting monthly mortgage payment of $2,346 (principal and interest). Compared to the local area median household income of $104,536 ($8,711/mo), this basic housing payment represents approximately 26.9% 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.