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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 | 6.917%APR 6.954% | 0 pts$0 | $2,094/moP&I $2,094 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.945%APR 6.714% | 0 pts$0 | $2,073/moP&I $1,925 · MI $148 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.027%APR 6.079% | 0 pts$0 | $1,908/moP&I $1,908 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.784%APR 6.821% | 0 pts$0 | $2,066/moP&I $2,066 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.677% | 0 pts$0 | $2,246/moP&I $2,246 · 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 | 6.027% | 6.079% | 0 pts ($0) | $2,683/mo | $53,736 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.028% | 6.082% | 0 pts ($0) | $3,354/mo | $74,918 |
Condo 10% Down | 10% | 720 credit score | 7.216% | 7.386% | 0 pts ($0) | $2,428/mo | $85,262 |
Conventional 10% Down | 10% | 720 credit score | 6.621% | 6.777% | 0 pts ($0) | $2,285/mo | $78,860 |
Conventional 20% Down | 20% | 740 credit score | 6.917% | 6.954% | 0 pts ($0) | $2,094/mo | $64,834 |
Conventional 5% Down | 5% | 700 credit score | 7.038% | 7.517% | 0 pts ($0) | $2,517/mo | $87,976 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.360% | 7.400% | 0 pts ($0) | $2,736/mo | $94,079 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,348/mo | $79,546 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.821% | 7.197% | 0 pts ($0) | $2,514/mo | $90,775 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.784% | 6.821% | 0 pts ($0) | $2,582/mo | $87,189 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,274/mo | $78,055 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.945% | 6.714% | 0 pts ($0) | $2,322/mo | $81,308 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,404/mo | $84,148 |
FHA Streamline Refi | 0% | 640 credit score | 6.063% | 6.834% | 0 pts ($0) | $2,437/mo | $85,688 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.995% | 7.240% | 0 pts ($0) | $2,506/mo | $90,880 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,482/mo | $48,596 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.677% | 0 pts ($0) | $2,106/mo | $67,136 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,138/mo | $66,824 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,307/mo | $70,733 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.303% | 7.078% | 0 pts ($0) | $2,412/mo | $85,500 |
Second Home 10% Down | 10% | 720 credit score | 5.950% | 6.523% | 0 pts ($0) | $2,129/mo | $71,653 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,087/mo | $64,519 |
VA 0% Down | 0% | 700 credit score | 6.065% | 6.310% | 0 pts ($0) | $2,447/mo | $80,922 |
VA Cash-Out Refi | 0% | 640 credit score | 6.068% | 6.438% | 0 pts ($0) | $2,447/mo | $80,959 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.075% | 6.228% | 0 pts ($0) | $2,449/mo | $81,044 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,183/mo | $69,064 |
Frequently Asked Questions
What are today's mortgage rates in 04429, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04429, , ME is 6.917% (with an estimated monthly payment of $2,081). Active program rates also include FHA 30-year fixed loans at 5.945% and VA 0%-down fixed loans at 6.065%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04429, , 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 04429, , ME have fluctuated between a low of 6.551% and a high of 6.996%. 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 04429, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $396,730 in 04429, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $79,346 but keeps your monthly payment lower at $2,081/mo (at 6.917% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,886 (3.5% down) but has an estimated payment of $2,308/mo (at 5.945% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $382,844 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 04429 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04429 is $806,501. With a typical local home value of $396,730 in , a standard 20%-down mortgage requires a loan size of $317,384. 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 04429, , ME impact estimated mortgage payments?
The median home value in 04429, , ME is estimated at $396,730. Buying a typical home here with a standard 20% down payment ($79,346) translates to an estimated starting monthly mortgage payment of $2,081 (principal and interest). Compared to the local area median household income of $98,040 ($8,170/mo), this basic housing payment represents approximately 25.5% 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.