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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 | 6.796%APR 6.829% | 0 pts$0 | $3,915/moP&I $3,915 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.912%APR 6.884% | 0 pts$0 | $3,910/moP&I $3,630 · MI $280 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.838%APR 5.883% | 0 pts$0 | $3,539/moP&I $3,539 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.511%APR 6.542% | 0 pts$0 | $3,801/moP&I $3,801 · MI $0 | See details |
| Investment Property FixedConforming | 7.471%APR 7.508% | 0 pts$0 | $4,189/moP&I $4,189 · 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 | 5.838% | 5.883% | 0 pts ($0) | $5,017/mo | $98,427 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.842% | 5.888% | 0 pts ($0) | $6,273/mo | $137,764 |
Condo 10% Down | 10% | 720 credit score | 6.983% | 7.145% | 0 pts ($0) | $4,489/mo | $156,637 |
Conventional 10% Down | 10% | 720 credit score | 6.485% | 6.636% | 0 pts ($0) | $4,265/mo | $146,498 |
Conventional 20% Down | 20% | 740 credit score | 6.796% | 6.829% | 0 pts ($0) | $3,915/mo | $120,528 |
Conventional 5% Down | 5% | 700 credit score | 6.927% | 7.399% | 0 pts ($0) | $4,711/mo | $164,134 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.220% | 7.255% | 0 pts ($0) | $5,107/mo | $174,901 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $4,504/mo | $153,274 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.580% | 6.945% | 0 pts ($0) | $4,642/mo | $166,532 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.511% | 6.542% | 0 pts ($0) | $4,752/mo | $158,858 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,197/mo | $147,743 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.912% | 6.884% | 0 pts ($0) | $4,379/mo | $153,169 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,550/mo | $159,275 |
FHA Streamline Refi | 0% | 640 credit score | 6.019% | 6.993% | 0 pts ($0) | $4,590/mo | $161,180 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.901% | 7.141% | 0 pts ($0) | $4,699/mo | $169,996 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,698/mo | $91,982 |
Investment Property 25% Down | 25% | 740 credit score | 7.471% | 7.508% | 0 pts ($0) | $3,927/mo | $124,458 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $4,026/mo | $125,543 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,366/mo | $133,884 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.260% | 7.238% | 0 pts ($0) | $4,545/mo | $160,881 |
Second Home 10% Down | 10% | 720 credit score | 7.464% | 7.635% | 0 pts ($0) | $4,709/mo | $166,441 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,950/mo | $122,121 |
VA 0% Down | 0% | 700 credit score | 5.911% | 6.150% | 0 pts ($0) | $4,555/mo | $149,620 |
VA Cash-Out Refi | 0% | 640 credit score | 5.916% | 6.278% | 0 pts ($0) | $4,558/mo | $149,735 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.926% | 6.074% | 0 pts ($0) | $4,563/mo | $149,966 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,132/mo | $130,725 |
Frequently Asked Questions
What are today's mortgage rates in 03862, , NH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 03862, , NH is 6.796% (with an estimated monthly payment of $4,264). Active program rates also include FHA 30-year fixed loans at 5.912% and VA 0%-down fixed loans at 5.911%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 03862, , 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 03862, , NH have fluctuated between a low of 6.415% and a high of 6.873%. 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 03862, , NH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $750,932 in 03862, , NH, a standard 20%-down Conventional loan requires an upfront cash down payment of $150,186 but keeps your monthly payment lower at $4,264/mo (at 6.796% interest) with no monthly PMI. In comparison, an FHA loan requires only $26,283 (3.5% down) but has an estimated payment of $4,770/mo (at 5.912% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $724,649 falls comfortably within the local HUD FHA loan limit of $863,572 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 03862 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 03862 is $806,501. With a typical local home value of $750,932 in , a standard 20%-down mortgage requires a loan size of $600,746. 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 03862, , NH impact estimated mortgage payments?
The median home value in 03862, , NH is estimated at $750,932. Buying a typical home here with a standard 20% down payment ($150,186) translates to an estimated starting monthly mortgage payment of $4,264 (principal and interest). Compared to the local area median household income of $146,458 ($12,205/mo), this basic housing payment represents approximately 34.9% 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.