Select your Scenario
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.
See Safe Rate's top scoring lenders for Etna
We rank active Etna lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.979%APR 7.018% | 0 pts$0 | $1,199/moP&I $1,199 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.067%APR 6.840% | 0 pts$0 | $1,194/moP&I $1,110 · MI $84 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.200%APR 6.257% | 0 pts$0 | $1,106/moP&I $1,106 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.933%APR 6.973% | 0 pts$0 | $1,194/moP&I $1,194 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.712% | 0 pts$0 | $1,279/moP&I $1,279 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 6.200% | 6.257% | 0 pts ($0) | $1,544/mo | $31,490 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.115% | 6.172% | 0 pts ($0) | $1,920/mo | $43,210 |
Condo 10% Down | 10% | 720 credit score | 7.307% | 7.481% | 0 pts ($0) | $1,394/mo | $49,086 |
Conventional 10% Down | 10% | 720 credit score | 6.800% | 6.962% | 0 pts ($0) | $1,325/mo | $45,979 |
Conventional 20% Down | 20% | 740 credit score | 6.979% | 7.018% | 0 pts ($0) | $1,199/mo | $37,239 |
Conventional 5% Down | 5% | 700 credit score | 7.122% | 7.608% | 0 pts ($0) | $1,445/mo | $50,616 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.426% | 7.468% | 0 pts ($0) | $1,567/mo | $53,996 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,336/mo | $45,274 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.839% | 7.218% | 0 pts ($0) | $1,434/mo | $51,784 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.933% | 6.973% | 0 pts ($0) | $1,492/mo | $50,638 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,863/mo | $44,426 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.067% | 6.840% | 0 pts ($0) | $1,339/mo | $47,090 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,368/mo | $47,893 |
FHA Streamline Refi | 0% | 640 credit score | 6.262% | 7.038% | 0 pts ($0) | $1,416/mo | $50,145 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.080% | 7.328% | 0 pts ($0) | $1,439/mo | $52,275 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,413/mo | $27,659 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.712% | 0 pts ($0) | $1,199/mo | $38,211 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,217/mo | $38,034 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,313/mo | $40,258 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.432% | 7.211% | 0 pts ($0) | $1,391/mo | $49,524 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $1,228/mo | $41,545 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,188/mo | $36,721 |
VA 0% Down | 0% | 700 credit score | 6.088% | 6.335% | 0 pts ($0) | $1,396/mo | $46,217 |
VA Cash-Out Refi | 0% | 640 credit score | 6.075% | 6.446% | 0 pts ($0) | $1,394/mo | $46,127 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.084% | 6.239% | 0 pts ($0) | $1,395/mo | $46,189 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,243/mo | $39,309 |
Frequently Asked Questions
What are today's mortgage rates in 04434, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04434, , ME is 6.979% (with an estimated monthly payment of $1,647). Active program rates also include FHA 30-year fixed loans at 6.067% and VA 0%-down fixed loans at 6.088%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04434, , 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 04434, , ME have fluctuated between a low of 6.867% and a high of 7.124%. 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 04434, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $225,803 in 04434, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $45,161 but keeps your monthly payment lower at $1,647/mo (at 6.979% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,903 (3.5% down) but has an estimated payment of $1,839/mo (at 6.067% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $217,900 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 04434 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04434 is $806,501. With a typical local home value of $225,803 in , a standard 20%-down mortgage requires a loan size of $180,642. 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 04434, , ME impact estimated mortgage payments?
The median home value in 04434, , ME is estimated at $225,803. Buying a typical home here with a standard 20% down payment ($45,161) translates to an estimated starting monthly mortgage payment of $1,647 (principal and interest). Compared to the local area median household income of $75,441 ($6,287/mo), this basic housing payment represents approximately 26.2% 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.