Select your Scenario
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.
See Safe Rate's top scoring lenders for Plaistow
We rank active Plaistow lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.870%APR 6.905% | 0 pts$0 | $2,493/moP&I $2,493 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.005%APR 6.774% | 0 pts$0 | $2,494/moP&I $2,317 · MI $177 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.950%APR 6.000% | 0 pts$0 | $2,264/moP&I $2,264 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.909%APR 6.945% | 0 pts$0 | $2,503/moP&I $2,503 · MI $0 | See details |
| Investment Property FixedConforming | 7.584%APR 7.624% | 0 pts$0 | $2,676/moP&I $2,676 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 5.950% | 6.000% | 0 pts ($0) | $3,193/mo | $63,430 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.916% | 5.966% | 0 pts ($0) | $3,983/mo | $88,075 |
Condo 10% Down | 10% | 720 credit score | 7.103% | 7.270% | 0 pts ($0) | $2,871/mo | $100,531 |
Conventional 10% Down | 10% | 720 credit score | 6.567% | 6.722% | 0 pts ($0) | $2,718/mo | $93,633 |
Conventional 20% Down | 20% | 740 credit score | 6.870% | 6.905% | 0 pts ($0) | $2,493/mo | $77,014 |
Conventional 5% Down | 5% | 700 credit score | 6.990% | 7.467% | 0 pts ($0) | $2,996/mo | $104,580 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.315% | 7.353% | 0 pts ($0) | $3,258/mo | $111,888 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $2,846/mo | $96,861 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.778% | 7.152% | 0 pts ($0) | $2,994/mo | $107,984 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.909% | 6.945% | 0 pts ($0) | $3,128/mo | $106,078 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,916/mo | $93,365 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.005% | 6.774% | 0 pts ($0) | $2,795/mo | $98,096 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,875/mo | $100,653 |
FHA Streamline Refi | 0% | 640 credit score | 6.161% | 6.933% | 0 pts ($0) | $2,945/mo | $103,918 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.964% | 7.207% | 0 pts ($0) | $2,988/mo | $108,284 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,969/mo | $58,128 |
Investment Property 25% Down | 25% | 740 credit score | 7.584% | 7.624% | 0 pts ($0) | $2,509/mo | $79,865 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $2,544/mo | $79,337 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,759/mo | $84,607 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.378% | 7.153% | 0 pts ($0) | $2,908/mo | $103,322 |
Second Home 10% Down | 10% | 720 credit score | 6.027% | 6.601% | 0 pts ($0) | $2,568/mo | $86,696 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,496/mo | $77,174 |
VA 0% Down | 0% | 700 credit score | 5.999% | 6.242% | 0 pts ($0) | $2,906/mo | $95,833 |
VA Cash-Out Refi | 0% | 640 credit score | 6.010% | 6.377% | 0 pts ($0) | $2,909/mo | $95,994 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.033% | 6.184% | 0 pts ($0) | $2,917/mo | $96,329 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,611/mo | $82,611 |
Frequently Asked Questions
What are today's mortgage rates in 03865, , NH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 03865, , NH is 6.870% (with an estimated monthly payment of $2,551). Active program rates also include FHA 30-year fixed loans at 6.005% and VA 0%-down fixed loans at 5.999%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 03865, , 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 03865, , NH have fluctuated between a low of 6.492% and a high of 6.952%. 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 03865, , NH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $474,548 in 03865, , NH, a standard 20%-down Conventional loan requires an upfront cash down payment of $94,910 but keeps your monthly payment lower at $2,551/mo (at 6.870% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,609 (3.5% down) but has an estimated payment of $2,860/mo (at 6.005% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $457,939 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 03865 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 03865 is $806,501. With a typical local home value of $474,548 in , a standard 20%-down mortgage requires a loan size of $379,638. 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 03865, , NH impact estimated mortgage payments?
The median home value in 03865, , NH is estimated at $474,548. Buying a typical home here with a standard 20% down payment ($94,910) translates to an estimated starting monthly mortgage payment of $2,551 (principal and interest). Compared to the local area median household income of $107,957 ($8,996/mo), this basic housing payment represents approximately 28.4% 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.