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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 | 6.795%APR 6.827% | 0 pts$0 | $4,048/moP&I $4,048 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.911%APR 6.883% | 0 pts$0 | $4,044/moP&I $3,754 · MI $290 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.837%APR 5.882% | 0 pts$0 | $3,660/moP&I $3,660 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.508%APR 6.539% | 0 pts$0 | $3,930/moP&I $3,930 · MI $0 | See details |
| Investment Property FixedConforming | 7.470%APR 7.507% | 0 pts$0 | $4,331/moP&I $4,331 · 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 | 5.837% | 5.882% | 0 pts ($0) | $5,188/mo | $101,773 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.839% | 5.885% | 0 pts ($0) | $6,486/mo | $142,404 |
Condo 10% Down | 10% | 720 credit score | 6.820% | 6.979% | 0 pts ($0) | $4,566/mo | $158,556 |
Conventional 10% Down | 10% | 720 credit score | 6.485% | 6.636% | 0 pts ($0) | $4,411/mo | $151,505 |
Conventional 20% Down | 20% | 740 credit score | 6.795% | 6.827% | 0 pts ($0) | $4,048/mo | $124,628 |
Conventional 5% Down | 5% | 700 credit score | 6.776% | 7.241% | 0 pts ($0) | $4,798/mo | $166,387 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.802% | 6.835% | 0 pts ($0) | $5,064/mo | $171,093 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $4,658/mo | $158,512 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.576% | 6.941% | 0 pts ($0) | $4,799/mo | $172,132 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.508% | 6.539% | 0 pts ($0) | $4,913/mo | $164,217 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,408/mo | $152,792 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.911% | 6.883% | 0 pts ($0) | $4,528/mo | $158,380 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,705/mo | $164,718 |
FHA Streamline Refi | 0% | 640 credit score | 6.017% | 6.991% | 0 pts ($0) | $4,746/mo | $166,641 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.776% | 7.012% | 0 pts ($0) | $4,798/mo | $173,027 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,859/mo | $95,126 |
Investment Property 25% Down | 25% | 740 credit score | 7.470% | 7.507% | 0 pts ($0) | $4,061/mo | $128,694 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $4,164/mo | $129,834 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,516/mo | $138,459 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.258% | 7.236% | 0 pts ($0) | $4,699/mo | $166,334 |
Second Home 10% Down | 10% | 720 credit score | 6.784% | 6.941% | 0 pts ($0) | $4,549/mo | $157,798 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,085/mo | $126,294 |
VA 0% Down | 0% | 700 credit score | 5.910% | 6.149% | 0 pts ($0) | $4,710/mo | $154,710 |
VA Cash-Out Refi | 0% | 640 credit score | 5.915% | 6.277% | 0 pts ($0) | $4,713/mo | $154,829 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.925% | 6.073% | 0 pts ($0) | $4,718/mo | $155,067 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,273/mo | $135,192 |
Frequently Asked Questions
What are today's mortgage rates in 01719, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01719, , MA is 6.795% (with an estimated monthly payment of $4,307). Active program rates also include FHA 30-year fixed loans at 5.911% and VA 0%-down fixed loans at 5.910%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01719, , 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 01719, , MA have fluctuated between a low of 6.327% and a high of 6.795%. 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 01719, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $776,595 in 01719, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $155,319 but keeps your monthly payment lower at $4,307/mo (at 6.795% interest) with no monthly PMI. In comparison, an FHA loan requires only $27,181 (3.5% down) but has an estimated payment of $4,818/mo (at 5.911% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $749,414 falls comfortably within the local HUD FHA loan limit of $893,084 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 01719 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01719 is $806,501. With a typical local home value of $776,595 in , a standard 20%-down mortgage requires a loan size of $621,276. 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 01719, , MA impact estimated mortgage payments?
The median home value in 01719, , MA is estimated at $776,595. Buying a typical home here with a standard 20% down payment ($155,319) translates to an estimated starting monthly mortgage payment of $4,307 (principal and interest). Compared to the local area median household income of $144,611 ($12,051/mo), this basic housing payment represents approximately 35.7% 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.