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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 | 6.914%APR 6.951% | 0 pts$0 | $2,347/moP&I $2,347 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.944%APR 6.713% | 0 pts$0 | $2,324/moP&I $2,158 · MI $166 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.022%APR 6.074% | 0 pts$0 | $2,139/moP&I $2,139 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.026%APR 7.096% | 0 pts$0 | $2,374/moP&I $2,374 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.676% | 0 pts$0 | $2,519/moP&I $2,519 · 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 | 6.022% | 6.074% | 0 pts ($0) | $3,008/mo | $60,210 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.063% | 6.130% | 0 pts ($0) | $3,770/mo | $84,466 |
Condo 10% Down | 10% | 720 credit score | 7.209% | 7.379% | 0 pts ($0) | $2,720/mo | $95,531 |
Conventional 10% Down | 10% | 720 credit score | 6.618% | 6.774% | 0 pts ($0) | $2,562/mo | $88,399 |
Conventional 20% Down | 20% | 740 credit score | 6.914% | 6.951% | 0 pts ($0) | $2,347/mo | $72,675 |
Conventional 5% Down | 5% | 700 credit score | 7.034% | 7.513% | 0 pts ($0) | $2,822/mo | $98,608 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.358% | 7.398% | 0 pts ($0) | $3,068/mo | $105,475 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,633/mo | $89,205 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.821% | 7.197% | 0 pts ($0) | $2,819/mo | $101,797 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.026% | 7.096% | 0 pts ($0) | $2,968/mo | $101,021 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,671/mo | $87,533 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.944% | 6.713% | 0 pts ($0) | $2,603/mo | $91,167 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,695/mo | $94,365 |
FHA Streamline Refi | 0% | 640 credit score | 6.062% | 6.833% | 0 pts ($0) | $2,732/mo | $96,079 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.998% | 7.243% | 0 pts ($0) | $2,811/mo | $101,953 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,783/mo | $54,496 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.676% | 0 pts ($0) | $2,362/mo | $75,288 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,398/mo | $74,938 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,587/mo | $79,322 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.302% | 7.077% | 0 pts ($0) | $2,705/mo | $95,869 |
Second Home 10% Down | 10% | 720 credit score | 5.949% | 6.522% | 0 pts ($0) | $2,388/mo | $80,341 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,340/mo | $72,353 |
VA 0% Down | 0% | 700 credit score | 6.064% | 6.309% | 0 pts ($0) | $2,743/mo | $90,735 |
VA Cash-Out Refi | 0% | 640 credit score | 6.068% | 6.438% | 0 pts ($0) | $2,745/mo | $90,789 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.074% | 6.227% | 0 pts ($0) | $2,746/mo | $90,871 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,448/mo | $77,450 |
Frequently Asked Questions
What are today's mortgage rates in 01037, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01037, , MA is 6.914% (with an estimated monthly payment of $2,102). Active program rates also include FHA 30-year fixed loans at 5.944% and VA 0%-down fixed loans at 6.064%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01037, , 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 01037, , MA have fluctuated between a low of 6.547% and a high of 6.993%. 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 01037, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $444,903 in 01037, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $88,981 but keeps your monthly payment lower at $2,102/mo (at 6.914% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,572 (3.5% down) but has an estimated payment of $2,331/mo (at 5.944% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $429,331 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 01037 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01037 is $806,501. With a typical local home value of $444,903 in , a standard 20%-down mortgage requires a loan size of $355,922. 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 01037, , MA impact estimated mortgage payments?
The median home value in 01037, , MA is estimated at $444,903. Buying a typical home here with a standard 20% down payment ($88,981) translates to an estimated starting monthly mortgage payment of $2,102 (principal and interest). Compared to the local area median household income of $86,554 ($7,213/mo), this basic housing payment represents approximately 29.1% 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.