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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 | 6.835%APR 6.869% | 0 pts$0 | $3,386/moP&I $3,386 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.962%APR 6.729% | 0 pts$0 | $3,386/moP&I $3,144 · MI $241 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.883%APR 5.930% | 0 pts$0 | $3,064/moP&I $3,064 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.873%APR 6.907% | 0 pts$0 | $3,399/moP&I $3,399 · MI $0 | See details |
| Investment Property FixedConforming | 7.522%APR 7.561% | 0 pts$0 | $3,626/moP&I $3,626 · 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 | 5.883% | 5.930% | 0 pts ($0) | $4,334/mo | $85,463 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.867% | 5.915% | 0 pts ($0) | $5,412/mo | $119,144 |
Condo 10% Down | 10% | 720 credit score | 6.891% | 7.052% | 0 pts ($0) | $3,831/mo | $133,320 |
Conventional 10% Down | 10% | 720 credit score | 6.521% | 6.673% | 0 pts ($0) | $3,688/mo | $126,832 |
Conventional 20% Down | 20% | 740 credit score | 6.835% | 6.869% | 0 pts ($0) | $3,386/mo | $104,437 |
Conventional 5% Down | 5% | 700 credit score | 6.827% | 7.296% | 0 pts ($0) | $4,017/mo | $139,542 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.862% | 6.896% | 0 pts ($0) | $4,244/mo | $143,687 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $3,880/mo | $132,038 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.721% | 7.092% | 0 pts ($0) | $4,058/mo | $146,123 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.873% | 6.907% | 0 pts ($0) | $4,249/mo | $143,901 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,338/mo | $127,273 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.962% | 6.729% | 0 pts ($0) | $3,793/mo | $132,901 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,919/mo | $137,207 |
FHA Streamline Refi | 0% | 640 credit score | 6.086% | 6.856% | 0 pts ($0) | $3,983/mo | $140,174 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.827% | 7.066% | 0 pts ($0) | $4,017/mo | $145,073 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,047/mo | $79,238 |
Investment Property 25% Down | 25% | 740 credit score | 7.522% | 7.561% | 0 pts ($0) | $3,400/mo | $107,961 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $3,468/mo | $108,149 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,761/mo | $115,334 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.326% | 7.099% | 0 pts ($0) | $3,942/mo | $139,853 |
Second Home 10% Down | 10% | 720 credit score | 6.838% | 6.997% | 0 pts ($0) | $3,810/mo | $132,391 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,403/mo | $105,201 |
VA 0% Down | 0% | 700 credit score | 5.959% | 6.200% | 0 pts ($0) | $3,944/mo | $129,843 |
VA Cash-Out Refi | 0% | 640 credit score | 5.966% | 6.331% | 0 pts ($0) | $3,947/mo | $129,982 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.980% | 6.130% | 0 pts ($0) | $3,953/mo | $130,260 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,560/mo | $112,613 |
Frequently Asked Questions
What are today's mortgage rates in 01865, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01865, , MA is 6.835% (with an estimated monthly payment of $3,147). Active program rates also include FHA 30-year fixed loans at 5.962% and VA 0%-down fixed loans at 5.959%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01865, , 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 01865, , MA have fluctuated between a low of 6.381% and a high of 6.841%. 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 01865, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $646,891 in 01865, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $129,378 but keeps your monthly payment lower at $3,147/mo (at 6.835% interest) with no monthly PMI. In comparison, an FHA loan requires only $22,641 (3.5% down) but has an estimated payment of $3,526/mo (at 5.962% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $624,250 falls comfortably within the local HUD FHA loan limit of $743,925 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 01865 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01865 is $806,501. With a typical local home value of $646,891 in , a standard 20%-down mortgage requires a loan size of $517,513. 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 01865, , MA impact estimated mortgage payments?
The median home value in 01865, , MA is estimated at $646,891. Buying a typical home here with a standard 20% down payment ($129,378) translates to an estimated starting monthly mortgage payment of $3,147 (principal and interest). Compared to the local area median household income of $114,798 ($9,567/mo), this basic housing payment represents approximately 32.9% 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.