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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 | 7.011%APR 7.051% | 0 pts$0 | $1,204/moP&I $1,204 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.076%APR 6.850% | 0 pts$0 | $1,196/moP&I $1,111 · MI $84 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.271%APR 6.330% | 0 pts$0 | $1,115/moP&I $1,115 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.805%APR 6.847% | 0 pts$0 | $1,179/moP&I $1,179 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.729% | 0 pts$0 | $1,279/moP&I $1,279 · 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 | 6.271% | 6.330% | 0 pts ($0) | $1,552/mo | $31,877 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.074% | 6.136% | 0 pts ($0) | $1,915/mo | $42,961 |
Condo 10% Down | 10% | 720 credit score | 7.343% | 7.520% | 0 pts ($0) | $1,400/mo | $49,329 |
Conventional 10% Down | 10% | 720 credit score | 6.826% | 6.990% | 0 pts ($0) | $1,329/mo | $46,160 |
Conventional 20% Down | 20% | 740 credit score | 7.011% | 7.051% | 0 pts ($0) | $1,204/mo | $37,430 |
Conventional 5% Down | 5% | 700 credit score | 7.189% | 7.677% | 0 pts ($0) | $1,455/mo | $51,072 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.462% | 7.505% | 0 pts ($0) | $1,574/mo | $54,266 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,337/mo | $45,295 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.848% | 7.228% | 0 pts ($0) | $1,436/mo | $51,867 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.805% | 6.847% | 0 pts ($0) | $1,473/mo | $49,790 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,864/mo | $44,446 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.076% | 6.850% | 0 pts ($0) | $1,341/mo | $47,171 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,369/mo | $47,915 |
FHA Streamline Refi | 0% | 640 credit score | 6.271% | 7.048% | 0 pts ($0) | $1,418/mo | $50,230 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.122% | 7.373% | 0 pts ($0) | $1,445/mo | $52,570 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,413/mo | $27,671 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.729% | 0 pts ($0) | $1,199/mo | $38,229 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,218/mo | $38,051 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,314/mo | $40,277 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.440% | 7.220% | 0 pts ($0) | $1,393/mo | $49,600 |
Second Home 10% Down | 10% | 720 credit score | 6.085% | 6.664% | 0 pts ($0) | $1,230/mo | $41,625 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,188/mo | $36,738 |
VA 0% Down | 0% | 700 credit score | 6.083% | 6.331% | 0 pts ($0) | $1,396/mo | $46,204 |
VA Cash-Out Refi | 0% | 640 credit score | 6.085% | 6.457% | 0 pts ($0) | $1,396/mo | $46,217 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.094% | 6.250% | 0 pts ($0) | $1,398/mo | $46,280 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,243/mo | $39,327 |
Frequently Asked Questions
What are today's mortgage rates in 04410, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04410, , ME is 7.011% (with an estimated monthly payment of $1,493). Active program rates also include FHA 30-year fixed loans at 6.076% and VA 0%-down fixed loans at 6.083%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04410, , 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 04410, , ME have fluctuated between a low of 6.906% and a high of 7.161%. 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 04410, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $225,906 in 04410, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $45,181 but keeps your monthly payment lower at $1,493/mo (at 7.011% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,907 (3.5% down) but has an estimated payment of $1,663/mo (at 6.076% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $217,999 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 04410 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04410 is $806,501. With a typical local home value of $225,906 in , a standard 20%-down mortgage requires a loan size of $180,725. 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 04410, , ME impact estimated mortgage payments?
The median home value in 04410, , ME is estimated at $225,906. Buying a typical home here with a standard 20% down payment ($45,181) translates to an estimated starting monthly mortgage payment of $1,493 (principal and interest). Compared to the local area median household income of $70,580 ($5,882/mo), this basic housing payment represents approximately 25.4% 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.