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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 | 6.833%APR 6.867% | 0 pts$0 | $2,954/moP&I $2,954 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.974%APR 6.742% | 0 pts$0 | $2,957/moP&I $2,747 · MI $211 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.878%APR 5.925% | 0 pts$0 | $2,672/moP&I $2,672 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.798%APR 6.832% | 0 pts$0 | $2,943/moP&I $2,943 · MI $0 | See details |
| Investment Property FixedConforming | 7.518%APR 7.557% | 0 pts$0 | $3,163/moP&I $3,163 · 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 | 5.878% | 5.925% | 0 pts ($0) | $3,781/mo | $74,501 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.870% | 5.918% | 0 pts ($0) | $4,723/mo | $104,001 |
Condo 10% Down | 10% | 720 credit score | 7.034% | 7.198% | 0 pts ($0) | $3,391/mo | $118,510 |
Conventional 10% Down | 10% | 720 credit score | 6.518% | 6.670% | 0 pts ($0) | $3,217/mo | $110,614 |
Conventional 20% Down | 20% | 740 credit score | 6.833% | 6.867% | 0 pts ($0) | $2,954/mo | $91,093 |
Conventional 5% Down | 5% | 700 credit score | 6.958% | 7.431% | 0 pts ($0) | $3,552/mo | $123,866 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.274% | 7.311% | 0 pts ($0) | $3,859/mo | $132,376 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,340/mo | $113,166 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.712% | 7.083% | 0 pts ($0) | $3,537/mo | $127,343 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.798% | 6.832% | 0 pts ($0) | $3,679/mo | $124,277 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,657/mo | $111,045 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.974% | 6.742% | 0 pts ($0) | $3,313/mo | $116,155 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,420/mo | $119,712 |
FHA Streamline Refi | 0% | 640 credit score | 6.102% | 6.872% | 0 pts ($0) | $3,481/mo | $122,577 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.932% | 7.173% | 0 pts ($0) | $3,543/mo | $128,271 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,531/mo | $69,135 |
Investment Property 25% Down | 25% | 740 credit score | 7.518% | 7.557% | 0 pts ($0) | $2,965/mo | $94,144 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,042/mo | $95,067 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,282/mo | $100,628 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.342% | 7.116% | 0 pts ($0) | $3,445/mo | $122,287 |
Second Home 10% Down | 10% | 720 credit score | 7.498% | 7.671% | 0 pts ($0) | $3,551/mo | $125,620 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,969/mo | $91,787 |
VA 0% Down | 0% | 700 credit score | 5.956% | 6.197% | 0 pts ($0) | $3,440/mo | $113,235 |
VA Cash-Out Refi | 0% | 640 credit score | 5.963% | 6.327% | 0 pts ($0) | $3,443/mo | $113,357 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.976% | 6.125% | 0 pts ($0) | $3,448/mo | $113,582 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,106/mo | $98,254 |
Frequently Asked Questions
What are today's mortgage rates in 01541, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01541, , MA is 6.833% (with an estimated monthly payment of $3,201). Active program rates also include FHA 30-year fixed loans at 5.974% and VA 0%-down fixed loans at 5.956%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01541, , 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 01541, , MA have fluctuated between a low of 6.453% and a high of 6.913%. 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 01541, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $564,407 in 01541, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $112,881 but keeps your monthly payment lower at $3,201/mo (at 6.833% interest) with no monthly PMI. In comparison, an FHA loan requires only $19,754 (3.5% down) but has an estimated payment of $3,316/mo (at 5.974% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $544,653 exceeds the local HUD FHA limit of $524,225 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 01541 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01541 is $806,501. With a typical local home value of $564,407 in , a standard 20%-down mortgage requires a loan size of $451,526. 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 01541, , MA impact estimated mortgage payments?
The median home value in 01541, , MA is estimated at $564,407. Buying a typical home here with a standard 20% down payment ($112,881) translates to an estimated starting monthly mortgage payment of $3,201 (principal and interest). Compared to the local area median household income of $158,750 ($13,229/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.