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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 | $4,524/moP&I $4,524 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.938%APR 6.705% | 0 pts$0 | $4,521/moP&I $4,198 · MI $323 | 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 | $4,092/moP&I $4,092 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.787%APR 6.821% | 0 pts$0 | $4,511/moP&I $4,511 · MI $0 | See details |
| Investment Property FixedConforming | 7.497%APR 7.535% | 0 pts$0 | $4,843/moP&I $4,843 · 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) | $5,795/mo | $113,991 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.857% | 5.904% | 0 pts ($0) | $7,241/mo | $159,250 |
Condo 10% Down | 10% | 720 credit score | 7.005% | 7.168% | 0 pts ($0) | $5,188/mo | $181,156 |
Conventional 10% Down | 10% | 720 credit score | 6.497% | 6.649% | 0 pts ($0) | $4,925/mo | $169,229 |
Conventional 20% Down | 20% | 740 credit score | 6.817% | 6.850% | 0 pts ($0) | $4,524/mo | $139,436 |
Conventional 5% Down | 5% | 700 credit score | 6.944% | 7.417% | 0 pts ($0) | $5,443/mo | $189,708 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.257% | 7.293% | 0 pts ($0) | $5,912/mo | $202,669 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,125/mo | $173,638 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.654% | 7.022% | 0 pts ($0) | $5,395/mo | $193,923 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.787% | 6.821% | 0 pts ($0) | $5,638/mo | $190,400 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,146/mo | $170,383 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.938% | 6.705% | 0 pts ($0) | $5,064/mo | $177,304 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,247/mo | $183,682 |
FHA Streamline Refi | 0% | 640 credit score | 6.054% | 6.822% | 0 pts ($0) | $5,314/mo | $186,807 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.918% | 7.158% | 0 pts ($0) | $5,428/mo | $196,468 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,418/mo | $106,077 |
Investment Property 25% Down | 25% | 740 credit score | 7.497% | 7.535% | 0 pts ($0) | $4,540/mo | $144,040 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $4,668/mo | $145,868 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $5,036/mo | $154,400 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.295% | 7.067% | 0 pts ($0) | $5,260/mo | $186,430 |
Second Home 10% Down | 10% | 720 credit score | 5.950% | 6.520% | 0 pts ($0) | $4,648/mo | $156,408 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,555/mo | $140,835 |
VA 0% Down | 0% | 700 credit score | 5.937% | 6.177% | 0 pts ($0) | $5,268/mo | $173,239 |
VA Cash-Out Refi | 0% | 640 credit score | 5.942% | 6.305% | 0 pts ($0) | $5,271/mo | $173,372 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.954% | 6.103% | 0 pts ($0) | $5,278/mo | $173,691 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,765/mo | $150,757 |
Frequently Asked Questions
What are today's mortgage rates in 02334, , MA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 02334, , MA is 6.817% (with an estimated monthly payment of $3,594). 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 02334, , 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 02334, , MA have fluctuated between a low of 6.437% and a high of 6.897%. 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 02334, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $866,005 in 02334, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $173,201 but keeps your monthly payment lower at $3,594/mo (at 6.817% interest) with no monthly PMI. In comparison, an FHA loan requires only $30,310 (3.5% down) but has an estimated payment of $4,023/mo (at 5.938% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $835,695 falls comfortably within the local HUD FHA loan limit of $995,906 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 02334 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 02334 is $806,501. With a typical local home value of $866,005 in , a standard 20%-down mortgage requires a loan size of $692,804. 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 02334, , MA impact estimated mortgage payments?
The median home value in 02334, , MA is estimated at $866,005. Buying a typical home here with a standard 20% down payment ($173,201) translates to an estimated starting monthly mortgage payment of $3,594 (principal and interest). Compared to the local area median household income of $142,869 ($11,906/mo), this basic housing payment represents approximately 30.2% 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.