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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 | 6.886%APR 6.922% | 0 pts$0 | $2,223/moP&I $2,223 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.025%APR 6.795% | 0 pts$0 | $2,225/moP&I $2,067 · MI $158 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.972%APR 6.022% | 0 pts$0 | $2,020/moP&I $2,020 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.998%APR 7.038% | 0 pts$0 | $2,248/moP&I $2,248 · MI $0 | See details |
| Investment Property FixedConforming | 7.605%APR 7.646% | 0 pts$0 | $2,388/moP&I $2,388 · 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 | 5.972% | 6.022% | 0 pts ($0) | $2,847/mo | $56,686 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.028% | 6.081% | 0 pts ($0) | $3,571/mo | $79,780 |
Condo 10% Down | 10% | 720 credit score | 7.124% | 7.291% | 0 pts ($0) | $2,561/mo | $89,741 |
Conventional 10% Down | 10% | 720 credit score | 6.582% | 6.737% | 0 pts ($0) | $2,424/mo | $83,531 |
Conventional 20% Down | 20% | 740 credit score | 6.886% | 6.922% | 0 pts ($0) | $2,223/mo | $68,726 |
Conventional 5% Down | 5% | 700 credit score | 6.996% | 7.473% | 0 pts ($0) | $2,669/mo | $93,177 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.328% | 7.367% | 0 pts ($0) | $2,904/mo | $99,776 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,500/mo | $84,708 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.793% | 7.168% | 0 pts ($0) | $2,670/mo | $96,320 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.998% | 7.038% | 0 pts ($0) | $2,810/mo | $95,572 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,486/mo | $83,121 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.025% | 6.795% | 0 pts ($0) | $2,494/mo | $87,582 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,560/mo | $89,609 |
FHA Streamline Refi | 0% | 640 credit score | 6.202% | 6.975% | 0 pts ($0) | $2,633/mo | $93,046 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.974% | 7.218% | 0 pts ($0) | $2,663/mo | $96,523 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,643/mo | $51,749 |
Investment Property 25% Down | 25% | 740 credit score | 7.605% | 7.646% | 0 pts ($0) | $2,238/mo | $71,302 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,277/mo | $71,161 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,457/mo | $75,324 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.396% | 7.172% | 0 pts ($0) | $2,594/mo | $92,210 |
Second Home 10% Down | 10% | 720 credit score | 6.049% | 6.624% | 0 pts ($0) | $2,292/mo | $77,434 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,222/mo | $68,706 |
VA 0% Down | 0% | 700 credit score | 6.019% | 6.262% | 0 pts ($0) | $2,593/mo | $85,577 |
VA Cash-Out Refi | 0% | 640 credit score | 6.031% | 6.399% | 0 pts ($0) | $2,596/mo | $85,733 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.055% | 6.207% | 0 pts ($0) | $2,603/mo | $86,044 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,325/mo | $73,546 |
Frequently Asked Questions
What are today's mortgage rates in 01438, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01438, , MA is 6.886% (with an estimated monthly payment of $2,398). Active program rates also include FHA 30-year fixed loans at 6.025% and VA 0%-down fixed loans at 6.019%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01438, , 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 01438, , MA have fluctuated between a low of 6.500% and a high of 6.964%. 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 01438, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $422,477 in 01438, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $84,495 but keeps your monthly payment lower at $2,398/mo (at 6.886% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,787 (3.5% down) but has an estimated payment of $2,690/mo (at 6.025% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $407,690 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 01438 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01438 is $806,501. With a typical local home value of $422,477 in , a standard 20%-down mortgage requires a loan size of $337,982. 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 01438, , MA impact estimated mortgage payments?
The median home value in 01438, , MA is estimated at $422,477. Buying a typical home here with a standard 20% down payment ($84,495) translates to an estimated starting monthly mortgage payment of $2,398 (principal and interest). Compared to the local area median household income of $117,629 ($9,802/mo), this basic housing payment represents approximately 24.5% 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.