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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 | 6.865%APR 6.900% | 0 pts$0 | $2,482/moP&I $2,482 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.000%APR 6.769% | 0 pts$0 | $2,483/moP&I $2,307 · MI $176 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.941%APR 5.990% | 0 pts$0 | $2,253/moP&I $2,253 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.620%APR 6.657% | 0 pts$0 | $2,420/moP&I $2,420 · MI $0 | See details |
| Investment Property FixedConforming | 7.576%APR 7.616% | 0 pts$0 | $2,664/moP&I $2,664 · 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 | 5.941% | 5.990% | 0 pts ($0) | $3,179/mo | $63,088 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.055% | 6.110% | 0 pts ($0) | $4,003/mo | $89,639 |
Condo 10% Down | 10% | 720 credit score | 7.094% | 7.261% | 0 pts ($0) | $2,857/mo | $100,029 |
Conventional 10% Down | 10% | 720 credit score | 6.560% | 6.715% | 0 pts ($0) | $2,706/mo | $93,184 |
Conventional 20% Down | 20% | 740 credit score | 6.865% | 6.900% | 0 pts ($0) | $2,482/mo | $76,661 |
Conventional 5% Down | 5% | 700 credit score | 6.986% | 7.463% | 0 pts ($0) | $2,984/mo | $104,124 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.310% | 7.348% | 0 pts ($0) | $3,244/mo | $111,387 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,797/mo | $94,783 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.772% | 7.146% | 0 pts ($0) | $2,981/mo | $107,486 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.620% | 6.657% | 0 pts ($0) | $3,025/mo | $101,555 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,901/mo | $93,007 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.000% | 6.769% | 0 pts ($0) | $2,783/mo | $97,650 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,864/mo | $100,266 |
FHA Streamline Refi | 0% | 640 credit score | 6.144% | 6.915% | 0 pts ($0) | $2,929/mo | $103,273 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.960% | 7.203% | 0 pts ($0) | $2,976/mo | $107,814 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,957/mo | $57,904 |
Investment Property 25% Down | 25% | 740 credit score | 7.576% | 7.616% | 0 pts ($0) | $2,497/mo | $79,472 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,548/mo | $79,625 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,749/mo | $84,282 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.370% | 7.145% | 0 pts ($0) | $2,894/mo | $102,814 |
Second Home 10% Down | 10% | 720 credit score | 6.018% | 6.591% | 0 pts ($0) | $2,556/mo | $86,248 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,487/mo | $76,877 |
VA 0% Down | 0% | 700 credit score | 5.997% | 6.239% | 0 pts ($0) | $2,894/mo | $95,436 |
VA Cash-Out Refi | 0% | 640 credit score | 6.002% | 6.368% | 0 pts ($0) | $2,896/mo | $95,509 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.024% | 6.175% | 0 pts ($0) | $2,903/mo | $95,828 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,601/mo | $82,294 |
Frequently Asked Questions
What are today's mortgage rates in 04547, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04547, , ME is 6.865% (with an estimated monthly payment of $2,619). Active program rates also include FHA 30-year fixed loans at 6.000% and VA 0%-down fixed loans at 5.997%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04547, , 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 04547, , ME have fluctuated between a low of 6.487% and a high of 6.947%. 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 04547, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $472,725 in 04547, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $94,545 but keeps your monthly payment lower at $2,619/mo (at 6.865% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,545 (3.5% down) but has an estimated payment of $2,937/mo (at 6.000% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $456,180 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 04547 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04547 is $806,501. With a typical local home value of $472,725 in , a standard 20%-down mortgage requires a loan size of $378,180. 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 04547, , ME impact estimated mortgage payments?
The median home value in 04547, , ME is estimated at $472,725. Buying a typical home here with a standard 20% down payment ($94,545) translates to an estimated starting monthly mortgage payment of $2,619 (principal and interest). Compared to the local area median household income of $80,125 ($6,677/mo), this basic housing payment represents approximately 39.2% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.