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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 | 6.842%APR 6.876% | 0 pts$0 | $3,034/moP&I $3,034 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.971%APR 6.739% | 0 pts$0 | $3,035/moP&I $2,819 · MI $216 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.897%APR 5.945% | 0 pts$0 | $2,748/moP&I $2,748 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.811%APR 6.846% | 0 pts$0 | $3,025/moP&I $3,025 · MI $0 | See details |
| Investment Property FixedConforming | 7.535%APR 7.574% | 0 pts$0 | $3,252/moP&I $3,252 · 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 | 5.897% | 5.945% | 0 pts ($0) | $3,885/mo | $76,726 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.886% | 5.935% | 0 pts ($0) | $4,853/mo | $107,020 |
Condo 10% Down | 10% | 720 credit score | 7.052% | 7.216% | 0 pts ($0) | $3,487/mo | $121,928 |
Conventional 10% Down | 10% | 720 credit score | 6.531% | 6.684% | 0 pts ($0) | $3,306/mo | $113,744 |
Conventional 20% Down | 20% | 740 credit score | 6.842% | 6.876% | 0 pts ($0) | $3,034/mo | $93,628 |
Conventional 5% Down | 5% | 700 credit score | 6.966% | 7.442% | 0 pts ($0) | $3,649/mo | $127,274 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.285% | 7.322% | 0 pts ($0) | $3,966/mo | $136,070 |
Conventional High Balance | 10% | 740 credit score | 7.017% | 7.050% | 0 pts ($0) | $3,475/mo | $118,249 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.747% | 7.120% | 0 pts ($0) | $3,644/mo | $131,303 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.811% | 6.846% | 0 pts ($0) | $3,781/mo | $127,791 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,781/mo | $113,981 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.971% | 6.739% | 0 pts ($0) | $3,400/mo | $119,176 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,510/mo | $122,878 |
FHA Streamline Refi | 0% | 640 credit score | 6.098% | 6.868% | 0 pts ($0) | $3,571/mo | $125,748 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.940% | 7.181% | 0 pts ($0) | $3,639/mo | $131,796 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,624/mo | $70,963 |
Investment Property 25% Down | 25% | 740 credit score | 7.535% | 7.574% | 0 pts ($0) | $3,049/mo | $96,857 |
Jumbo Conforming | 20% | 760 credit score | 7.073% | 7.106% | 0 pts ($0) | $3,106/mo | $96,855 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,369/mo | $103,290 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.338% | 7.112% | 0 pts ($0) | $3,535/mo | $125,453 |
Second Home 10% Down | 10% | 720 credit score | 5.985% | 6.557% | 0 pts ($0) | $3,121/mo | $105,181 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,047/mo | $94,215 |
VA 0% Down | 0% | 700 credit score | 5.968% | 6.209% | 0 pts ($0) | $3,536/mo | $116,443 |
VA Cash-Out Refi | 0% | 640 credit score | 5.975% | 6.340% | 0 pts ($0) | $3,539/mo | $116,568 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.990% | 6.140% | 0 pts ($0) | $3,544/mo | $116,835 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,188/mo | $100,852 |
Frequently Asked Questions
What are today's mortgage rates in 03873, , NH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 03873, , NH is 6.842% (with an estimated monthly payment of $2,999). Active program rates also include FHA 30-year fixed loans at 5.971% and VA 0%-down fixed loans at 5.968%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 03873, , 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 03873, , NH have fluctuated between a low of 6.463% and a high of 6.924%. 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 03873, , NH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $579,334 in 03873, , NH, a standard 20%-down Conventional loan requires an upfront cash down payment of $115,867 but keeps your monthly payment lower at $2,999/mo (at 6.842% interest) with no monthly PMI. In comparison, an FHA loan requires only $20,277 (3.5% down) but has an estimated payment of $3,360/mo (at 5.971% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $559,057 exceeds the local HUD FHA limit of $524,225 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 03873 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 03873 is $806,501. With a typical local home value of $579,334 in , a standard 20%-down mortgage requires a loan size of $463,467. 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 03873, , NH impact estimated mortgage payments?
The median home value in 03873, , NH is estimated at $579,334. Buying a typical home here with a standard 20% down payment ($115,867) translates to an estimated starting monthly mortgage payment of $2,999 (principal and interest). Compared to the local area median household income of $134,832 ($11,236/mo), this basic housing payment represents approximately 26.7% 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.