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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 | 6.829%APR 6.863% | 0 pts$0 | $3,899/moP&I $3,899 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.954%APR 6.721% | 0 pts$0 | $3,898/moP&I $3,619 · MI $278 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.875%APR 5.922% | 0 pts$0 | $3,527/moP&I $3,527 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.858%APR 6.892% | 0 pts$0 | $3,910/moP&I $3,910 · MI $0 | See details |
| Investment Property FixedConforming | 7.511%APR 7.550% | 0 pts$0 | $4,174/moP&I $4,174 · 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 | 5.875% | 5.922% | 0 pts ($0) | $4,991/mo | $98,329 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.856% | 5.903% | 0 pts ($0) | $6,232/mo | $137,035 |
Condo 10% Down | 10% | 720 credit score | 6.880% | 7.040% | 0 pts ($0) | $4,409/mo | $153,383 |
Conventional 10% Down | 10% | 720 credit score | 6.513% | 6.665% | 0 pts ($0) | $4,246/mo | $145,969 |
Conventional 20% Down | 20% | 740 credit score | 6.829% | 6.863% | 0 pts ($0) | $3,899/mo | $120,220 |
Conventional 5% Down | 5% | 700 credit score | 6.819% | 7.288% | 0 pts ($0) | $4,625/mo | $160,603 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.852% | 6.886% | 0 pts ($0) | $4,885/mo | $165,325 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $4,470/mo | $152,128 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.697% | 7.068% | 0 pts ($0) | $4,664/mo | $167,834 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.858% | 6.892% | 0 pts ($0) | $4,888/mo | $165,460 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,150/mo | $146,638 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.954% | 6.721% | 0 pts ($0) | $4,366/mo | $152,947 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,516/mo | $158,084 |
FHA Streamline Refi | 0% | 640 credit score | 6.075% | 6.844% | 0 pts ($0) | $4,583/mo | $161,252 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.819% | 7.058% | 0 pts ($0) | $4,625/mo | $166,976 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,663/mo | $91,294 |
Investment Property 25% Down | 25% | 740 credit score | 7.511% | 7.550% | 0 pts ($0) | $3,913/mo | $124,203 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $3,996/mo | $124,605 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,334/mo | $132,883 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.315% | 7.088% | 0 pts ($0) | $4,537/mo | $160,889 |
Second Home 10% Down | 10% | 720 credit score | 6.829% | 6.988% | 0 pts ($0) | $4,386/mo | $152,352 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,921/mo | $121,208 |
VA 0% Down | 0% | 700 credit score | 5.951% | 6.192% | 0 pts ($0) | $4,541/mo | $149,417 |
VA Cash-Out Refi | 0% | 640 credit score | 5.958% | 6.322% | 0 pts ($0) | $4,544/mo | $149,577 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.971% | 6.120% | 0 pts ($0) | $4,550/mo | $149,874 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,101/mo | $129,748 |
Frequently Asked Questions
What are today's mortgage rates in 01721, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01721, , MA is 6.829% (with an estimated monthly payment of $3,291). Active program rates also include FHA 30-year fixed loans at 5.954% and VA 0%-down fixed loans at 5.951%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01721, , 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 01721, , MA have fluctuated between a low of 6.371% and a high of 6.831%. 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 01721, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $745,318 in 01721, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $149,064 but keeps your monthly payment lower at $3,291/mo (at 6.829% interest) with no monthly PMI. In comparison, an FHA loan requires only $26,086 (3.5% down) but has an estimated payment of $3,685/mo (at 5.954% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $719,232 falls comfortably within the local HUD FHA loan limit of $857,116 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 01721 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01721 is $806,501. With a typical local home value of $745,318 in , a standard 20%-down mortgage requires a loan size of $596,254. 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 01721, , MA impact estimated mortgage payments?
The median home value in 01721, , MA is estimated at $745,318. Buying a typical home here with a standard 20% down payment ($149,064) translates to an estimated starting monthly mortgage payment of $3,291 (principal and interest). Compared to the local area median household income of $142,417 ($11,868/mo), this basic housing payment represents approximately 27.7% 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.