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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 | 6.817%APR 6.850% | 0 pts$0 | $4,006/moP&I $4,006 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.938%APR 6.705% | 0 pts$0 | $4,004/moP&I $3,718 · MI $286 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.862%APR 5.908% | 0 pts$0 | $3,624/moP&I $3,624 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.780%APR 6.813% | 0 pts$0 | $3,991/moP&I $3,991 · MI $0 | See details |
| Investment Property FixedConforming | 7.497%APR 7.535% | 0 pts$0 | $4,288/moP&I $4,288 · 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 | 5.862% | 5.908% | 0 pts ($0) | $5,131/mo | $100,936 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.849% | 5.896% | 0 pts ($0) | $6,409/mo | $140,834 |
Condo 10% Down | 10% | 720 credit score | 6.856% | 7.016% | 0 pts ($0) | $4,525/mo | $157,310 |
Conventional 10% Down | 10% | 720 credit score | 6.498% | 6.650% | 0 pts ($0) | $4,361/mo | $149,869 |
Conventional 20% Down | 20% | 740 credit score | 6.817% | 6.850% | 0 pts ($0) | $4,006/mo | $123,467 |
Conventional 5% Down | 5% | 700 credit score | 6.804% | 7.272% | 0 pts ($0) | $4,751/mo | $164,908 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.835% | 6.868% | 0 pts ($0) | $5,017/mo | $169,703 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $4,599/mo | $156,518 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.655% | 7.023% | 0 pts ($0) | $4,778/mo | $171,736 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.780% | 6.813% | 0 pts ($0) | $4,989/mo | $168,432 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,328/mo | $150,869 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.938% | 6.705% | 0 pts ($0) | $4,484/mo | $156,998 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,646/mo | $162,646 |
FHA Streamline Refi | 0% | 640 credit score | 6.054% | 6.822% | 0 pts ($0) | $4,705/mo | $165,412 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.804% | 7.042% | 0 pts ($0) | $4,751/mo | $171,464 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,797/mo | $93,929 |
Investment Property 25% Down | 25% | 740 credit score | 7.497% | 7.535% | 0 pts ($0) | $4,020/mo | $127,543 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $4,111/mo | $128,200 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,459/mo | $136,717 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.295% | 7.067% | 0 pts ($0) | $4,658/mo | $165,079 |
Second Home 10% Down | 10% | 720 credit score | 6.813% | 6.971% | 0 pts ($0) | $4,505/mo | $156,416 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,034/mo | $124,705 |
VA 0% Down | 0% | 700 credit score | 5.937% | 6.177% | 0 pts ($0) | $4,665/mo | $153,398 |
VA Cash-Out Refi | 0% | 640 credit score | 5.943% | 6.306% | 0 pts ($0) | $4,668/mo | $153,540 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.955% | 6.104% | 0 pts ($0) | $4,674/mo | $153,822 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,220/mo | $133,491 |
Frequently Asked Questions
What are today's mortgage rates in 01746, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01746, , MA is 6.817% (with an estimated monthly payment of $3,587). Active program rates also include FHA 30-year fixed loans at 5.938% and VA 0%-down fixed loans at 5.937%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01746, , 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 01746, , MA have fluctuated between a low of 6.359% and a high of 6.817%. 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 01746, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $766,824 in 01746, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $153,365 but keeps your monthly payment lower at $3,587/mo (at 6.817% interest) with no monthly PMI. In comparison, an FHA loan requires only $26,839 (3.5% down) but has an estimated payment of $4,015/mo (at 5.938% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $739,985 falls comfortably within the local HUD FHA loan limit of $881,848 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 01746 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01746 is $806,501. With a typical local home value of $766,824 in , a standard 20%-down mortgage requires a loan size of $613,459. 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 01746, , MA impact estimated mortgage payments?
The median home value in 01746, , MA is estimated at $766,824. Buying a typical home here with a standard 20% down payment ($153,365) translates to an estimated starting monthly mortgage payment of $3,587 (principal and interest). Compared to the local area median household income of $163,439 ($13,620/mo), this basic housing payment represents approximately 26.3% 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.