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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 | 6.829%APR 6.863% | 0 pts$0 | $2,635/moP&I $2,635 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.955%APR 6.722% | 0 pts$0 | $2,635/moP&I $2,447 · MI $188 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.872%APR 5.919% | 0 pts$0 | $2,383/moP&I $2,383 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.795%APR 6.829% | 0 pts$0 | $2,626/moP&I $2,626 · MI $0 | See details |
| Investment Property FixedConforming | 7.512%APR 7.551% | 0 pts$0 | $2,821/moP&I $2,821 · 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 | 5.872% | 5.919% | 0 pts ($0) | $3,373/mo | $66,432 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.866% | 5.914% | 0 pts ($0) | $4,215/mo | $92,777 |
Condo 10% Down | 10% | 720 credit score | 7.028% | 7.192% | 0 pts ($0) | $3,025/mo | $105,704 |
Conventional 10% Down | 10% | 720 credit score | 6.514% | 6.666% | 0 pts ($0) | $2,870/mo | $98,683 |
Conventional 20% Down | 20% | 740 credit score | 6.829% | 6.863% | 0 pts ($0) | $2,635/mo | $81,264 |
Conventional 5% Down | 5% | 700 credit score | 6.955% | 7.428% | 0 pts ($0) | $3,170/mo | $110,524 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.271% | 7.308% | 0 pts ($0) | $3,444/mo | $118,118 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $3,022/mo | $102,833 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.700% | 7.071% | 0 pts ($0) | $3,153/mo | $113,494 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.795% | 6.829% | 0 pts ($0) | $3,283/mo | $110,889 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,157/mo | $99,122 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.955% | 6.722% | 0 pts ($0) | $2,952/mo | $103,402 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,052/mo | $106,859 |
FHA Streamline Refi | 0% | 640 credit score | 6.076% | 6.845% | 0 pts ($0) | $3,099/mo | $109,016 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.929% | 7.170% | 0 pts ($0) | $3,161/mo | $114,456 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,152/mo | $61,712 |
Investment Property 25% Down | 25% | 740 credit score | 7.512% | 7.551% | 0 pts ($0) | $2,645/mo | $83,968 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $2,701/mo | $84,229 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,929/mo | $89,824 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.316% | 7.089% | 0 pts ($0) | $3,067/mo | $108,771 |
Second Home 10% Down | 10% | 720 credit score | 5.968% | 6.539% | 0 pts ($0) | $2,709/mo | $91,238 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,650/mo | $81,932 |
VA 0% Down | 0% | 700 credit score | 5.952% | 6.193% | 0 pts ($0) | $3,070/mo | $101,016 |
VA Cash-Out Refi | 0% | 640 credit score | 5.959% | 6.323% | 0 pts ($0) | $3,072/mo | $101,124 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.972% | 6.121% | 0 pts ($0) | $3,076/mo | $101,325 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,772/mo | $87,705 |
Frequently Asked Questions
What are today's mortgage rates in 03073, , NH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 03073, , NH is 6.829% (with an estimated monthly payment of $3,272). Active program rates also include FHA 30-year fixed loans at 5.955% and VA 0%-down fixed loans at 5.952%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 03073, , NH?
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 03073, , NH have fluctuated between a low of 6.450% and a high of 6.910%. 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 03073, , NH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $503,809 in 03073, , NH, a standard 20%-down Conventional loan requires an upfront cash down payment of $100,762 but keeps your monthly payment lower at $3,272/mo (at 6.829% interest) with no monthly PMI. In comparison, an FHA loan requires only $17,633 (3.5% down) but has an estimated payment of $3,665/mo (at 5.955% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $486,176 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 03073 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 03073 is $806,501. With a typical local home value of $503,809 in , a standard 20%-down mortgage requires a loan size of $403,047. 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 03073, , NH impact estimated mortgage payments?
The median home value in 03073, , NH is estimated at $503,809. Buying a typical home here with a standard 20% down payment ($100,762) translates to an estimated starting monthly mortgage payment of $3,272 (principal and interest). Compared to the local area median household income of $120,000 ($10,000/mo), this basic housing payment represents approximately 32.7% 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.