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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 | 6.991%APR 7.030% | 0 pts$0 | $2,210/moP&I $2,210 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.072%APR 6.845% | 0 pts$0 | $2,199/moP&I $2,044 · MI $155 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.249%APR 6.307% | 0 pts$0 | $2,047/moP&I $2,047 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.000%APR 7.040% | 0 pts$0 | $2,212/moP&I $2,212 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.719% | 0 pts$0 | $2,354/moP&I $2,354 · 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 | 6.249% | 6.307% | 0 pts ($0) | $2,851/mo | $58,444 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.095% | 6.152% | 0 pts ($0) | $3,529/mo | $79,305 |
Condo 10% Down | 10% | 720 credit score | 7.321% | 7.496% | 0 pts ($0) | $2,570/mo | $90,521 |
Conventional 10% Down | 10% | 720 credit score | 6.810% | 6.973% | 0 pts ($0) | $2,441/mo | $84,757 |
Conventional 20% Down | 20% | 740 credit score | 6.991% | 7.030% | 0 pts ($0) | $2,210/mo | $68,674 |
Conventional 5% Down | 5% | 700 credit score | 7.143% | 7.630% | 0 pts ($0) | $2,665/mo | $93,430 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.441% | 7.484% | 0 pts ($0) | $2,890/mo | $99,589 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,460/mo | $83,347 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.842% | 7.222% | 0 pts ($0) | $2,640/mo | $95,367 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.000% | 7.040% | 0 pts ($0) | $2,766/mo | $94,061 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,430/mo | $81,784 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.072% | 6.845% | 0 pts ($0) | $2,466/mo | $86,750 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,518/mo | $88,168 |
FHA Streamline Refi | 0% | 640 credit score | 6.267% | 7.044% | 0 pts ($0) | $2,609/mo | $92,376 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.096% | 7.345% | 0 pts ($0) | $2,653/mo | $96,424 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,601/mo | $50,917 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.719% | 0 pts ($0) | $2,207/mo | $70,344 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,240/mo | $70,017 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,417/mo | $74,113 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.436% | 7.215% | 0 pts ($0) | $2,563/mo | $91,219 |
Second Home 10% Down | 10% | 720 credit score | 6.077% | 6.655% | 0 pts ($0) | $2,262/mo | $76,504 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,187/mo | $67,601 |
VA 0% Down | 0% | 700 credit score | 6.076% | 6.323% | 0 pts ($0) | $2,567/mo | $84,929 |
VA Cash-Out Refi | 0% | 640 credit score | 6.080% | 6.452% | 0 pts ($0) | $2,568/mo | $84,980 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.086% | 6.241% | 0 pts ($0) | $2,569/mo | $85,057 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,287/mo | $72,364 |
Frequently Asked Questions
What are today's mortgage rates in 01270, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01270, , MA is 6.991% (with an estimated monthly payment of $1,582). Active program rates also include FHA 30-year fixed loans at 6.072% and VA 0%-down fixed loans at 6.076%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01270, , 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 01270, , MA have fluctuated between a low of 6.886% and a high of 7.136%. 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 01270, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $415,685 in 01270, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $83,137 but keeps your monthly payment lower at $1,582/mo (at 6.991% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,549 (3.5% down) but has an estimated payment of $1,765/mo (at 6.072% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $401,136 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 01270 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01270 is $806,501. With a typical local home value of $415,685 in , a standard 20%-down mortgage requires a loan size of $332,548. 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 01270, , MA impact estimated mortgage payments?
The median home value in 01270, , MA is estimated at $415,685. Buying a typical home here with a standard 20% down payment ($83,137) translates to an estimated starting monthly mortgage payment of $1,582 (principal and interest). Compared to the local area median household income of $104,471 ($8,706/mo), this basic housing payment represents approximately 18.2% 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.