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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 | 6.892%APR 6.928% | 0 pts$0 | $2,136/moP&I $2,136 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.035%APR 6.805% | 0 pts$0 | $2,139/moP&I $1,988 · MI $151 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.984%APR 6.035% | 0 pts$0 | $1,943/moP&I $1,943 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.920%APR 6.956% | 0 pts$0 | $2,142/moP&I $2,142 · MI $0 | See details |
| Investment Property FixedConforming | 7.615%APR 7.656% | 0 pts$0 | $2,295/moP&I $2,295 · 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 | 5.984% | 6.035% | 0 pts ($0) | $2,736/mo | $54,552 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.938% | 5.989% | 0 pts ($0) | $3,410/mo | $75,561 |
Condo 10% Down | 10% | 720 credit score | 7.136% | 7.304% | 0 pts ($0) | $2,463/mo | $86,316 |
Conventional 10% Down | 10% | 720 credit score | 6.590% | 6.745% | 0 pts ($0) | $2,330/mo | $80,308 |
Conventional 20% Down | 20% | 740 credit score | 6.892% | 6.928% | 0 pts ($0) | $2,136/mo | $66,061 |
Conventional 5% Down | 5% | 700 credit score | 7.004% | 7.482% | 0 pts ($0) | $2,565/mo | $89,577 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.334% | 7.373% | 0 pts ($0) | $2,791/mo | $95,895 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,401/mo | $81,351 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.801% | 7.176% | 0 pts ($0) | $2,566/mo | $92,597 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.920% | 6.956% | 0 pts ($0) | $2,678/mo | $90,830 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,348/mo | $79,826 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.035% | 6.805% | 0 pts ($0) | $2,397/mo | $84,230 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,458/mo | $86,057 |
FHA Streamline Refi | 0% | 640 credit score | 6.222% | 6.995% | 0 pts ($0) | $2,534/mo | $89,606 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.979% | 7.223% | 0 pts ($0) | $2,559/mo | $92,756 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,538/mo | $49,698 |
Investment Property 25% Down | 25% | 740 credit score | 7.615% | 7.656% | 0 pts ($0) | $2,152/mo | $68,568 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,187/mo | $68,341 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,359/mo | $72,338 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.404% | 7.180% | 0 pts ($0) | $2,493/mo | $88,651 |
Second Home 10% Down | 10% | 720 credit score | 5.942% | 6.514% | 0 pts ($0) | $2,176/mo | $73,191 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,134/mo | $65,983 |
VA 0% Down | 0% | 700 credit score | 6.029% | 6.273% | 0 pts ($0) | $2,493/mo | $82,310 |
VA Cash-Out Refi | 0% | 640 credit score | 6.041% | 6.409% | 0 pts ($0) | $2,496/mo | $82,459 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.064% | 6.216% | 0 pts ($0) | $2,502/mo | $82,746 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,233/mo | $70,631 |
Frequently Asked Questions
What are today's mortgage rates in 01072, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01072, , MA is 6.892% (with an estimated monthly payment of $2,329). Active program rates also include FHA 30-year fixed loans at 6.035% and VA 0%-down fixed loans at 6.029%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01072, , 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 01072, , MA have fluctuated between a low of 6.510% and a high of 6.971%. 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 01072, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $405,732 in 01072, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $81,146 but keeps your monthly payment lower at $2,329/mo (at 6.892% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,201 (3.5% down) but has an estimated payment of $2,614/mo (at 6.035% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $391,531 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 01072 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01072 is $806,501. With a typical local home value of $405,732 in , a standard 20%-down mortgage requires a loan size of $324,586. 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 01072, , MA impact estimated mortgage payments?
The median home value in 01072, , MA is estimated at $405,732. Buying a typical home here with a standard 20% down payment ($81,146) translates to an estimated starting monthly mortgage payment of $2,329 (principal and interest). Compared to the local area median household income of $104,440 ($8,703/mo), this basic housing payment represents approximately 26.8% 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.