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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 | 6.908%APR 6.944% | 0 pts$0 | $2,483/moP&I $2,483 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.942%APR 6.711% | 0 pts$0 | $2,460/moP&I $2,284 · MI $176 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.009%APR 6.061% | 0 pts$0 | $2,261/moP&I $2,261 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.024%APR 7.079% | 0 pts$0 | $2,512/moP&I $2,512 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.672% | 0 pts$0 | $2,666/moP&I $2,666 · 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 | 6.009% | 6.061% | 0 pts ($0) | $3,181/mo | $63,587 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.061% | 6.121% | 0 pts ($0) | $3,989/mo | $89,376 |
Condo 10% Down | 10% | 720 credit score | 7.188% | 7.358% | 0 pts ($0) | $2,873/mo | $100,845 |
Conventional 10% Down | 10% | 720 credit score | 6.610% | 6.766% | 0 pts ($0) | $2,710/mo | $93,463 |
Conventional 20% Down | 20% | 740 credit score | 6.908% | 6.944% | 0 pts ($0) | $2,483/mo | $76,854 |
Conventional 5% Down | 5% | 700 credit score | 7.026% | 7.505% | 0 pts ($0) | $2,984/mo | $104,263 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.351% | 7.391% | 0 pts ($0) | $3,245/mo | $111,540 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,787/mo | $94,418 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.819% | 7.195% | 0 pts ($0) | $2,984/mo | $107,719 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.024% | 7.079% | 0 pts ($0) | $3,141/mo | $106,896 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,886/mo | $92,649 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.942% | 6.711% | 0 pts ($0) | $2,755/mo | $96,468 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,853/mo | $99,880 |
FHA Streamline Refi | 0% | 640 credit score | 6.059% | 6.830% | 0 pts ($0) | $2,891/mo | $101,651 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.993% | 7.237% | 0 pts ($0) | $2,974/mo | $107,844 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,946/mo | $57,681 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.672% | 0 pts ($0) | $2,500/mo | $79,689 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,538/mo | $79,318 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,738/mo | $83,958 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.300% | 7.075% | 0 pts ($0) | $2,862/mo | $101,444 |
Second Home 10% Down | 10% | 720 credit score | 5.947% | 6.520% | 0 pts ($0) | $2,527/mo | $85,011 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,477/mo | $76,581 |
VA 0% Down | 0% | 700 credit score | 6.055% | 6.300% | 0 pts ($0) | $2,901/mo | $95,907 |
VA Cash-Out Refi | 0% | 640 credit score | 6.065% | 6.434% | 0 pts ($0) | $2,904/mo | $96,052 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.071% | 6.224% | 0 pts ($0) | $2,906/mo | $96,139 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,591/mo | $81,977 |
Frequently Asked Questions
What are today's mortgage rates in 01537, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01537, , MA is 6.908% (with an estimated monthly payment of $2,163). Active program rates also include FHA 30-year fixed loans at 5.942% and VA 0%-down fixed loans at 6.055%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01537, , 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 01537, , MA have fluctuated between a low of 6.537% and a high of 6.987%. 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 01537, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $470,905 in 01537, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $94,181 but keeps your monthly payment lower at $2,163/mo (at 6.908% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,482 (3.5% down) but has an estimated payment of $2,399/mo (at 5.942% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $454,423 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 01537 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01537 is $806,501. With a typical local home value of $470,905 in , a standard 20%-down mortgage requires a loan size of $376,724. 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 01537, , MA impact estimated mortgage payments?
The median home value in 01537, , MA is estimated at $470,905. Buying a typical home here with a standard 20% down payment ($94,181) translates to an estimated starting monthly mortgage payment of $2,163 (principal and interest). Compared to the local area median household income of $107,039 ($8,920/mo), this basic housing payment represents approximately 24.2% 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.