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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 | 6.911%APR 6.948% | 0 pts$0 | $1,961/moP&I $1,961 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.943%APR 6.712% | 0 pts$0 | $1,942/moP&I $1,803 · MI $139 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.015%APR 6.067% | 0 pts$0 | $1,786/moP&I $1,786 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.797%APR 6.835% | 0 pts$0 | $1,939/moP&I $1,939 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.674% | 0 pts$0 | $2,105/moP&I $2,105 · 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 | 6.015% | 6.067% | 0 pts ($0) | $2,512/mo | $50,257 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.057% | 6.112% | 0 pts ($0) | $3,149/mo | $70,524 |
Condo 10% Down | 10% | 720 credit score | 7.197% | 7.367% | 0 pts ($0) | $2,271/mo | $79,714 |
Conventional 10% Down | 10% | 720 credit score | 6.614% | 6.770% | 0 pts ($0) | $2,140/mo | $73,835 |
Conventional 20% Down | 20% | 740 credit score | 6.911% | 6.948% | 0 pts ($0) | $1,961/mo | $60,707 |
Conventional 5% Down | 5% | 700 credit score | 7.030% | 7.509% | 0 pts ($0) | $2,357/mo | $82,364 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.354% | 7.394% | 0 pts ($0) | $2,563/mo | $88,101 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,200/mo | $74,548 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.820% | 7.196% | 0 pts ($0) | $2,356/mo | $85,061 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.797% | 6.835% | 0 pts ($0) | $2,423/mo | $81,857 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,068/mo | $73,151 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.943% | 6.712% | 0 pts ($0) | $2,175/mo | $76,178 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,253/mo | $78,861 |
FHA Streamline Refi | 0% | 640 credit score | 6.060% | 6.831% | 0 pts ($0) | $2,283/mo | $80,271 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.995% | 7.240% | 0 pts ($0) | $2,349/mo | $85,170 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,326/mo | $45,543 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.674% | 0 pts ($0) | $1,974/mo | $62,918 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,004/mo | $62,626 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,162/mo | $66,289 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.301% | 7.076% | 0 pts ($0) | $2,260/mo | $80,107 |
Second Home 10% Down | 10% | 720 credit score | 5.948% | 6.521% | 0 pts ($0) | $1,995/mo | $67,131 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,956/mo | $60,465 |
VA 0% Down | 0% | 700 credit score | 6.060% | 6.305% | 0 pts ($0) | $2,292/mo | $75,781 |
VA Cash-Out Refi | 0% | 640 credit score | 6.066% | 6.435% | 0 pts ($0) | $2,293/mo | $75,850 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.072% | 6.225% | 0 pts ($0) | $2,295/mo | $75,918 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,046/mo | $64,725 |
Frequently Asked Questions
What are today's mortgage rates in 04360, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04360, , ME is 6.911% (with an estimated monthly payment of $2,135). Active program rates also include FHA 30-year fixed loans at 5.943% and VA 0%-down fixed loans at 6.060%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04360, , 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 04360, , ME have fluctuated between a low of 6.541% and a high of 6.990%. 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 04360, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $371,805 in 04360, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $74,361 but keeps your monthly payment lower at $2,135/mo (at 6.911% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,013 (3.5% down) but has an estimated payment of $2,369/mo (at 5.943% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $358,792 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 04360 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04360 is $806,501. With a typical local home value of $371,805 in , a standard 20%-down mortgage requires a loan size of $297,444. 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 04360, , ME impact estimated mortgage payments?
The median home value in 04360, , ME is estimated at $371,805. Buying a typical home here with a standard 20% down payment ($74,361) translates to an estimated starting monthly mortgage payment of $2,135 (principal and interest). Compared to the local area median household income of $75,702 ($6,309/mo), this basic housing payment represents approximately 33.8% 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.