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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 | 6.907%APR 6.943% | 0 pts$0 | $2,023/moP&I $2,023 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.942%APR 6.711% | 0 pts$0 | $2,004/moP&I $1,861 · MI $143 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.006%APR 6.058% | 0 pts$0 | $1,842/moP&I $1,842 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.936%APR 6.973% | 0 pts$0 | $2,029/moP&I $2,029 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.671% | 0 pts$0 | $2,173/moP&I $2,173 · 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 | 6.006% | 6.058% | 0 pts ($0) | $2,592/mo | $51,789 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.967% | 6.019% | 0 pts ($0) | $3,231/mo | $71,786 |
Condo 10% Down | 10% | 720 credit score | 7.184% | 7.354% | 0 pts ($0) | $2,341/mo | $82,135 |
Conventional 10% Down | 10% | 720 credit score | 6.608% | 6.764% | 0 pts ($0) | $2,207/mo | $76,141 |
Conventional 20% Down | 20% | 740 credit score | 6.907% | 6.943% | 0 pts ($0) | $2,023/mo | $62,618 |
Conventional 5% Down | 5% | 700 credit score | 7.024% | 7.503% | 0 pts ($0) | $2,431/mo | $84,940 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.349% | 7.388% | 0 pts ($0) | $2,644/mo | $90,869 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,271/mo | $76,940 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.819% | 7.195% | 0 pts ($0) | $2,431/mo | $87,778 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.936% | 6.973% | 0 pts ($0) | $2,537/mo | $86,090 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,166/mo | $75,498 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.942% | 6.711% | 0 pts ($0) | $2,245/mo | $78,610 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,325/mo | $81,391 |
FHA Streamline Refi | 0% | 640 credit score | 6.059% | 6.830% | 0 pts ($0) | $2,356/mo | $82,834 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.991% | 7.235% | 0 pts ($0) | $2,423/mo | $87,858 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,401/mo | $47,004 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.671% | 0 pts ($0) | $2,037/mo | $64,937 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,068/mo | $64,635 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,231/mo | $68,416 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.299% | 7.074% | 0 pts ($0) | $2,332/mo | $82,654 |
Second Home 10% Down | 10% | 720 credit score | 5.946% | 6.519% | 0 pts ($0) | $2,059/mo | $69,264 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,019/mo | $62,405 |
VA 0% Down | 0% | 700 credit score | 6.053% | 6.297% | 0 pts ($0) | $2,364/mo | $78,130 |
VA Cash-Out Refi | 0% | 640 credit score | 6.064% | 6.433% | 0 pts ($0) | $2,366/mo | $78,259 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.071% | 6.224% | 0 pts ($0) | $2,368/mo | $78,342 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,112/mo | $66,801 |
Frequently Asked Questions
What are today's mortgage rates in 04027, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04027, , ME is 6.907% (with an estimated monthly payment of $2,176). Active program rates also include FHA 30-year fixed loans at 5.942% and VA 0%-down fixed loans at 6.053%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04027, , ME?
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 04027, , ME have fluctuated between a low of 6.534% and a high of 6.985%. 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 04027, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $383,732 in 04027, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $76,746 but keeps your monthly payment lower at $2,176/mo (at 6.907% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,431 (3.5% down) but has an estimated payment of $2,415/mo (at 5.942% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $370,301 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 04027 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04027 is $806,501. With a typical local home value of $383,732 in , a standard 20%-down mortgage requires a loan size of $306,986. 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 04027, , ME impact estimated mortgage payments?
The median home value in 04027, , ME is estimated at $383,732. Buying a typical home here with a standard 20% down payment ($76,746) translates to an estimated starting monthly mortgage payment of $2,176 (principal and interest). Compared to the local area median household income of $97,750 ($8,146/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.