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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 | 6.834%APR 6.868% | 0 pts$0 | $3,353/moP&I $3,353 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.961%APR 6.728% | 0 pts$0 | $3,353/moP&I $3,114 · MI $239 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.882%APR 5.929% | 0 pts$0 | $3,034/moP&I $3,034 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.872%APR 6.906% | 0 pts$0 | $3,366/moP&I $3,366 · MI $0 | See details |
| Investment Property FixedConforming | 7.521%APR 7.560% | 0 pts$0 | $3,591/moP&I $3,591 · 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 | 5.882% | 5.929% | 0 pts ($0) | $4,293/mo | $84,636 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.866% | 5.914% | 0 pts ($0) | $5,361/mo | $117,993 |
Condo 10% Down | 10% | 720 credit score | 6.890% | 7.051% | 0 pts ($0) | $3,794/mo | $132,035 |
Conventional 10% Down | 10% | 720 credit score | 6.520% | 6.672% | 0 pts ($0) | $3,653/mo | $125,609 |
Conventional 20% Down | 20% | 740 credit score | 6.834% | 6.868% | 0 pts ($0) | $3,353/mo | $103,429 |
Conventional 5% Down | 5% | 700 credit score | 6.826% | 7.295% | 0 pts ($0) | $3,979/mo | $138,197 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.861% | 6.895% | 0 pts ($0) | $4,203/mo | $142,302 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $3,843/mo | $130,783 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.718% | 7.089% | 0 pts ($0) | $4,018/mo | $144,678 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.872% | 6.906% | 0 pts ($0) | $4,208/mo | $142,514 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,287/mo | $126,063 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.961% | 6.728% | 0 pts ($0) | $3,756/mo | $131,619 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,882/mo | $135,903 |
FHA Streamline Refi | 0% | 640 credit score | 6.085% | 6.854% | 0 pts ($0) | $3,944/mo | $138,822 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.826% | 7.065% | 0 pts ($0) | $3,979/mo | $143,675 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,009/mo | $78,485 |
Investment Property 25% Down | 25% | 740 credit score | 7.521% | 7.560% | 0 pts ($0) | $3,367/mo | $106,921 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $3,435/mo | $107,121 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,726/mo | $114,238 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.325% | 7.098% | 0 pts ($0) | $3,904/mo | $138,504 |
Second Home 10% Down | 10% | 720 credit score | 6.836% | 6.995% | 0 pts ($0) | $3,773/mo | $131,097 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,370/mo | $104,201 |
VA 0% Down | 0% | 700 credit score | 5.958% | 6.199% | 0 pts ($0) | $3,907/mo | $128,589 |
VA Cash-Out Refi | 0% | 640 credit score | 5.965% | 6.330% | 0 pts ($0) | $3,909/mo | $128,727 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.978% | 6.128% | 0 pts ($0) | $3,915/mo | $128,983 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,526/mo | $111,542 |
Frequently Asked Questions
What are today's mortgage rates in 01879, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 01879, , MA is 6.834% (with an estimated monthly payment of $3,164). Active program rates also include FHA 30-year fixed loans at 5.961% and VA 0%-down fixed loans at 5.958%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 01879, , 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 01879, , MA have fluctuated between a low of 6.380% and a high of 6.839%. 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 01879, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $640,741 in 01879, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $128,148 but keeps your monthly payment lower at $3,164/mo (at 6.834% interest) with no monthly PMI. In comparison, an FHA loan requires only $22,426 (3.5% down) but has an estimated payment of $3,544/mo (at 5.961% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $618,315 falls comfortably within the local HUD FHA loan limit of $736,852 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 01879 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 01879 is $806,501. With a typical local home value of $640,741 in , a standard 20%-down mortgage requires a loan size of $512,593. 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 01879, , MA impact estimated mortgage payments?
The median home value in 01879, , MA is estimated at $640,741. Buying a typical home here with a standard 20% down payment ($128,148) translates to an estimated starting monthly mortgage payment of $3,164 (principal and interest). Compared to the local area median household income of $135,436 ($11,286/mo), this basic housing payment represents approximately 28.0% 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.