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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 | 6.961%APR 6.999% | 0 pts$0 | $2,075/moP&I $2,075 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.958%APR 6.729% | 0 pts$0 | $2,048/moP&I $1,902 · MI $146 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.118%APR 6.173% | 0 pts$0 | $1,901/moP&I $1,901 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.853%APR 6.893% | 0 pts$0 | $2,053/moP&I $2,053 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.702% | 0 pts$0 | $2,217/moP&I $2,217 · 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 | 6.118% | 6.173% | 0 pts ($0) | $2,663/mo | $53,848 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.245% | 6.305% | 0 pts ($0) | $3,355/mo | $76,385 |
Condo 10% Down | 10% | 720 credit score | 7.286% | 7.460% | 0 pts ($0) | $2,412/mo | $84,873 |
Conventional 10% Down | 10% | 720 credit score | 6.784% | 6.945% | 0 pts ($0) | $2,293/mo | $79,541 |
Conventional 20% Down | 20% | 740 credit score | 6.961% | 6.999% | 0 pts ($0) | $2,075/mo | $64,388 |
Conventional 5% Down | 5% | 700 credit score | 7.098% | 7.581% | 0 pts ($0) | $2,499/mo | $87,480 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.406% | 7.447% | 0 pts ($0) | $2,712/mo | $93,372 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,317/mo | $78,489 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.834% | 7.213% | 0 pts ($0) | $2,484/mo | $89,717 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.853% | 6.893% | 0 pts ($0) | $2,566/mo | $86,844 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,230/mo | $77,018 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.958% | 6.729% | 0 pts ($0) | $2,294/mo | $80,377 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,372/mo | $83,029 |
FHA Streamline Refi | 0% | 640 credit score | 6.080% | 6.853% | 0 pts ($0) | $2,409/mo | $84,753 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.056% | 7.303% | 0 pts ($0) | $2,488/mo | $90,356 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,449/mo | $47,950 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.702% | 0 pts ($0) | $2,078/mo | $66,244 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,110/mo | $65,936 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,276/mo | $69,793 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.320% | 7.097% | 0 pts ($0) | $2,384/mo | $84,561 |
Second Home 10% Down | 10% | 720 credit score | 6.068% | 6.645% | 0 pts ($0) | $2,128/mo | $71,950 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,059/mo | $63,661 |
VA 0% Down | 0% | 700 credit score | 6.082% | 6.328% | 0 pts ($0) | $2,419/mo | $80,051 |
VA Cash-Out Refi | 0% | 640 credit score | 6.086% | 6.457% | 0 pts ($0) | $2,420/mo | $80,099 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.076% | 6.230% | 0 pts ($0) | $2,417/mo | $79,979 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,154/mo | $68,146 |
Frequently Asked Questions
What are today's mortgage rates in 01354, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01354, , MA is 6.961% (with an estimated monthly payment of $1,750). Active program rates also include FHA 30-year fixed loans at 5.958% and VA 0%-down fixed loans at 6.082%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01354, , 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 01354, , MA have fluctuated between a low of 6.625% and a high of 7.085%. 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 01354, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $391,458 in 01354, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $78,292 but keeps your monthly payment lower at $1,750/mo (at 6.961% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,701 (3.5% down) but has an estimated payment of $1,935/mo (at 5.958% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $377,757 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 01354 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01354 is $806,501. With a typical local home value of $391,458 in , a standard 20%-down mortgage requires a loan size of $313,166. 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 01354, , MA impact estimated mortgage payments?
The median home value in 01354, , MA is estimated at $391,458. Buying a typical home here with a standard 20% down payment ($78,292) translates to an estimated starting monthly mortgage payment of $1,750 (principal and interest). Compared to the local area median household income of $87,232 ($7,269/mo), this basic housing payment represents approximately 24.1% 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.