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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 | 6.841%APR 6.875% | 0 pts$0 | $2,584/moP&I $2,584 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.969%APR 6.737% | 0 pts$0 | $2,584/moP&I $2,400 · MI $184 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.894%APR 5.942% | 0 pts$0 | $2,340/moP&I $2,340 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.808%APR 6.843% | 0 pts$0 | $2,576/moP&I $2,576 · MI $0 | See details |
| Investment Property FixedConforming | 7.532%APR 7.571% | 0 pts$0 | $2,769/moP&I $2,769 · 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 | 5.894% | 5.942% | 0 pts ($0) | $3,309/mo | $65,317 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.881% | 5.929% | 0 pts ($0) | $4,132/mo | $91,084 |
Condo 10% Down | 10% | 720 credit score | 7.049% | 7.213% | 0 pts ($0) | $2,969/mo | $103,812 |
Conventional 10% Down | 10% | 720 credit score | 6.528% | 6.681% | 0 pts ($0) | $2,815/mo | $96,842 |
Conventional 20% Down | 20% | 740 credit score | 6.841% | 6.875% | 0 pts ($0) | $2,584/mo | $79,736 |
Conventional 5% Down | 5% | 700 credit score | 6.965% | 7.441% | 0 pts ($0) | $3,108/mo | $108,393 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.283% | 7.320% | 0 pts ($0) | $3,377/mo | $115,868 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $2,960/mo | $100,719 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.740% | 7.112% | 0 pts ($0) | $3,101/mo | $111,737 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.808% | 6.843% | 0 pts ($0) | $3,220/mo | $108,802 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,072/mo | $97,084 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.969% | 6.737% | 0 pts ($0) | $2,895/mo | $101,480 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,990/mo | $104,662 |
FHA Streamline Refi | 0% | 640 credit score | 6.095% | 6.865% | 0 pts ($0) | $3,041/mo | $107,061 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.939% | 7.180% | 0 pts ($0) | $3,100/mo | $112,244 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,087/mo | $60,443 |
Investment Property 25% Down | 25% | 740 credit score | 7.532% | 7.571% | 0 pts ($0) | $2,596/mo | $82,465 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $2,646/mo | $82,497 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,869/mo | $87,978 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.335% | 7.109% | 0 pts ($0) | $3,010/mo | $106,811 |
Second Home 10% Down | 10% | 720 credit score | 5.983% | 6.555% | 0 pts ($0) | $2,658/mo | $89,562 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,596/mo | $80,248 |
VA 0% Down | 0% | 700 credit score | 5.966% | 6.207% | 0 pts ($0) | $3,011/mo | $99,151 |
VA Cash-Out Refi | 0% | 640 credit score | 5.973% | 6.338% | 0 pts ($0) | $3,013/mo | $99,257 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.987% | 6.137% | 0 pts ($0) | $3,018/mo | $99,469 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,715/mo | $85,902 |
Frequently Asked Questions
What are today's mortgage rates in 03819, , NH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 03819, , NH is 6.841% (with an estimated monthly payment of $3,036). Active program rates also include FHA 30-year fixed loans at 5.969% and VA 0%-down fixed loans at 5.966%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 03819, , 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 03819, , NH have fluctuated between a low of 6.461% and a high of 6.922%. 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 03819, , NH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $493,451 in 03819, , NH, a standard 20%-down Conventional loan requires an upfront cash down payment of $98,690 but keeps your monthly payment lower at $3,036/mo (at 6.841% interest) with no monthly PMI. In comparison, an FHA loan requires only $17,271 (3.5% down) but has an estimated payment of $3,401/mo (at 5.969% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $476,180 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 03819 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 03819 is $806,501. With a typical local home value of $493,451 in , a standard 20%-down mortgage requires a loan size of $394,761. 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 03819, , NH impact estimated mortgage payments?
The median home value in 03819, , NH is estimated at $493,451. Buying a typical home here with a standard 20% down payment ($98,690) translates to an estimated starting monthly mortgage payment of $3,036 (principal and interest). Compared to the local area median household income of $115,104 ($9,592/mo), this basic housing payment represents approximately 31.7% 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.