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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 | 6.831%APR 6.865% | 0 pts$0 | $3,367/moP&I $3,367 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.957%APR 6.724% | 0 pts$0 | $3,366/moP&I $3,126 · MI $240 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.876%APR 5.923% | 0 pts$0 | $3,045/moP&I $3,045 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.844%APR 6.964% | 0 pts$0 | $3,371/moP&I $3,371 · MI $0 | See details |
| Investment Property FixedConforming | 7.516%APR 7.555% | 0 pts$0 | $3,605/moP&I $3,605 · 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 | 5.876% | 5.923% | 0 pts ($0) | $4,310/mo | $84,908 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.937% | 6.011% | 0 pts ($0) | $5,408/mo | $119,818 |
Condo 10% Down | 10% | 720 credit score | 6.885% | 7.045% | 0 pts ($0) | $3,808/mo | $132,511 |
Conventional 10% Down | 10% | 720 credit score | 6.516% | 6.668% | 0 pts ($0) | $3,667/mo | $126,075 |
Conventional 20% Down | 20% | 740 credit score | 6.831% | 6.865% | 0 pts ($0) | $3,367/mo | $103,823 |
Conventional 5% Down | 5% | 700 credit score | 6.822% | 7.291% | 0 pts ($0) | $3,994/mo | $138,713 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.857% | 6.891% | 0 pts ($0) | $4,219/mo | $142,831 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $3,860/mo | $131,341 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.707% | 7.078% | 0 pts ($0) | $4,031/mo | $145,088 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.844% | 6.964% | 0 pts ($0) | $4,214/mo | $142,579 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,310/mo | $126,601 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.957% | 6.724% | 0 pts ($0) | $3,771/mo | $132,104 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,899/mo | $136,483 |
FHA Streamline Refi | 0% | 640 credit score | 6.079% | 6.848% | 0 pts ($0) | $3,959/mo | $139,296 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.822% | 7.061% | 0 pts ($0) | $3,994/mo | $144,214 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,026/mo | $78,819 |
Investment Property 25% Down | 25% | 740 credit score | 7.516% | 7.555% | 0 pts ($0) | $3,380/mo | $107,304 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $3,450/mo | $107,578 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,742/mo | $114,725 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.320% | 7.093% | 0 pts ($0) | $3,919/mo | $139,000 |
Second Home 10% Down | 10% | 720 credit score | 6.833% | 6.992% | 0 pts ($0) | $3,788/mo | $131,604 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,385/mo | $104,646 |
VA 0% Down | 0% | 700 credit score | 5.955% | 6.196% | 0 pts ($0) | $3,922/mo | $129,079 |
VA Cash-Out Refi | 0% | 640 credit score | 5.961% | 6.325% | 0 pts ($0) | $3,924/mo | $129,197 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.974% | 6.123% | 0 pts ($0) | $3,930/mo | $129,454 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,541/mo | $112,018 |
Frequently Asked Questions
What are today's mortgage rates in 02322, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 02322, , MA is 6.831% (with an estimated monthly payment of $3,228). Active program rates also include FHA 30-year fixed loans at 5.957% and VA 0%-down fixed loans at 5.955%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 02322, , 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 02322, , MA have fluctuated between a low of 6.376% and a high of 6.835%. 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 02322, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $643,474 in 02322, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $128,695 but keeps your monthly payment lower at $3,228/mo (at 6.831% interest) with no monthly PMI. In comparison, an FHA loan requires only $22,522 (3.5% down) but has an estimated payment of $3,615/mo (at 5.957% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $620,952 falls comfortably within the local HUD FHA loan limit of $739,995 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 02322 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 02322 is $806,501. With a typical local home value of $643,474 in , a standard 20%-down mortgage requires a loan size of $514,779. 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 02322, , MA impact estimated mortgage payments?
The median home value in 02322, , MA is estimated at $643,474. Buying a typical home here with a standard 20% down payment ($128,695) translates to an estimated starting monthly mortgage payment of $3,228 (principal and interest). Compared to the local area median household income of $130,603 ($10,884/mo), this basic housing payment represents approximately 29.7% 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.