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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 | 6.904%APR 6.940% | 0 pts$0 | $1,808/moP&I $1,808 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.055%APR 6.826% | 0 pts$0 | $1,812/moP&I $1,684 · MI $128 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.000%APR 6.051% | 0 pts$0 | $1,645/moP&I $1,645 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.936%APR 6.973% | 0 pts$0 | $1,814/moP&I $1,814 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.670% | 0 pts$0 | $1,943/moP&I $1,943 · 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 | 6.000% | 6.051% | 0 pts ($0) | $2,316/mo | $46,252 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.967% | 6.019% | 0 pts ($0) | $2,889/mo | $64,177 |
Condo 10% Down | 10% | 720 credit score | 7.174% | 7.343% | 0 pts ($0) | $2,090/mo | $73,336 |
Conventional 10% Down | 10% | 720 credit score | 6.605% | 6.761% | 0 pts ($0) | $1,973/mo | $68,042 |
Conventional 20% Down | 20% | 740 credit score | 6.904% | 6.940% | 0 pts ($0) | $1,808/mo | $55,956 |
Conventional 5% Down | 5% | 700 credit score | 7.020% | 7.498% | 0 pts ($0) | $2,173/mo | $75,897 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.347% | 7.386% | 0 pts ($0) | $2,363/mo | $81,217 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,030/mo | $68,785 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.815% | 7.191% | 0 pts ($0) | $2,173/mo | $78,434 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.936% | 6.973% | 0 pts ($0) | $2,268/mo | $76,965 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,831/mo | $67,495 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.055% | 6.826% | 0 pts ($0) | $2,031/mo | $71,421 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,078/mo | $72,764 |
FHA Streamline Refi | 0% | 640 credit score | 6.250% | 7.024% | 0 pts ($0) | $2,149/mo | $76,058 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.989% | 7.233% | 0 pts ($0) | $2,166/mo | $78,526 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,146/mo | $42,021 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.670% | 0 pts ($0) | $1,821/mo | $58,054 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,849/mo | $57,784 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,995/mo | $61,164 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.422% | 7.199% | 0 pts ($0) | $2,112/mo | $75,139 |
Second Home 10% Down | 10% | 720 credit score | 5.946% | 6.519% | 0 pts ($0) | $1,840/mo | $61,922 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,805/mo | $55,790 |
VA 0% Down | 0% | 700 credit score | 6.048% | 6.292% | 0 pts ($0) | $2,112/mo | $69,795 |
VA Cash-Out Refi | 0% | 640 credit score | 6.061% | 6.430% | 0 pts ($0) | $2,115/mo | $69,932 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.070% | 6.223% | 0 pts ($0) | $2,117/mo | $70,027 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,888/mo | $59,721 |
Frequently Asked Questions
What are today's mortgage rates in 01346, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01346, , MA is 6.904% (with an estimated monthly payment of $2,204). Active program rates also include FHA 30-year fixed loans at 6.055% and VA 0%-down fixed loans at 6.048%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01346, , 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 01346, , MA have fluctuated between a low of 6.530% and a high of 6.983%. 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 01346, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $343,058 in 01346, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $68,612 but keeps your monthly payment lower at $2,204/mo (at 6.904% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,007 (3.5% down) but has an estimated payment of $2,476/mo (at 6.055% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $331,051 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 01346 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01346 is $806,501. With a typical local home value of $343,058 in , a standard 20%-down mortgage requires a loan size of $274,446. 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 01346, , MA impact estimated mortgage payments?
The median home value in 01346, , MA is estimated at $343,058. Buying a typical home here with a standard 20% down payment ($68,612) translates to an estimated starting monthly mortgage payment of $2,204 (principal and interest). Compared to the local area median household income of $75,125 ($6,260/mo), this basic housing payment represents approximately 35.2% 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.