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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 | 6.914%APR 6.951% | 0 pts$0 | $2,330/moP&I $2,330 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.944%APR 6.713% | 0 pts$0 | $2,307/moP&I $2,142 · MI $165 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.020%APR 6.072% | 0 pts$0 | $2,123/moP&I $2,123 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.933%APR 6.970% | 0 pts$0 | $2,334/moP&I $2,334 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.675% | 0 pts$0 | $2,500/moP&I $2,500 · 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 | 6.020% | 6.072% | 0 pts ($0) | $2,985/mo | $59,740 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.962% | 6.013% | 0 pts ($0) | $3,717/mo | $82,545 |
Condo 10% Down | 10% | 720 credit score | 7.206% | 7.376% | 0 pts ($0) | $2,699/mo | $94,782 |
Conventional 10% Down | 10% | 720 credit score | 6.617% | 6.773% | 0 pts ($0) | $2,543/mo | $87,728 |
Conventional 20% Down | 20% | 740 credit score | 6.914% | 6.951% | 0 pts ($0) | $2,330/mo | $72,133 |
Conventional 5% Down | 5% | 700 credit score | 7.033% | 7.512% | 0 pts ($0) | $2,800/mo | $97,860 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.357% | 7.397% | 0 pts ($0) | $3,045/mo | $104,676 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,613/mo | $88,540 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.821% | 7.197% | 0 pts ($0) | $2,798/mo | $101,038 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.933% | 6.970% | 0 pts ($0) | $2,918/mo | $99,030 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,644/mo | $86,880 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.944% | 6.713% | 0 pts ($0) | $2,584/mo | $90,488 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,675/mo | $93,662 |
FHA Streamline Refi | 0% | 640 credit score | 6.062% | 6.833% | 0 pts ($0) | $2,712/mo | $95,363 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.997% | 7.242% | 0 pts ($0) | $2,790/mo | $101,180 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,763/mo | $54,090 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.675% | 0 pts ($0) | $2,344/mo | $74,727 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,380/mo | $74,380 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,568/mo | $78,731 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.302% | 7.077% | 0 pts ($0) | $2,684/mo | $95,154 |
Second Home 10% Down | 10% | 720 credit score | 5.948% | 6.521% | 0 pts ($0) | $2,370/mo | $79,730 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,323/mo | $71,813 |
VA 0% Down | 0% | 700 credit score | 6.064% | 6.309% | 0 pts ($0) | $2,723/mo | $90,058 |
VA Cash-Out Refi | 0% | 640 credit score | 6.067% | 6.436% | 0 pts ($0) | $2,724/mo | $90,099 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.073% | 6.226% | 0 pts ($0) | $2,726/mo | $90,180 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,430/mo | $76,873 |
Frequently Asked Questions
What are today's mortgage rates in 03216, , NH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 03216, , NH is 6.914% (with an estimated monthly payment of $2,111). Active program rates also include FHA 30-year fixed loans at 5.944% and VA 0%-down fixed loans at 6.064%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 03216, , 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 03216, , NH have fluctuated between a low of 6.546% and a high of 6.992%. 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 03216, , NH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $441,586 in 03216, , NH, a standard 20%-down Conventional loan requires an upfront cash down payment of $88,317 but keeps your monthly payment lower at $2,111/mo (at 6.914% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,456 (3.5% down) but has an estimated payment of $2,341/mo (at 5.944% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $426,130 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 03216 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 03216 is $806,501. With a typical local home value of $441,586 in , a standard 20%-down mortgage requires a loan size of $353,269. 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 03216, , NH impact estimated mortgage payments?
The median home value in 03216, , NH is estimated at $441,586. Buying a typical home here with a standard 20% down payment ($88,317) translates to an estimated starting monthly mortgage payment of $2,111 (principal and interest). Compared to the local area median household income of $105,201 ($8,767/mo), this basic housing payment represents approximately 24.1% 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.