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 Georgetown
We rank active Georgetown 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 | 6.897%APR 6.933% | 0 pts$0 | $2,183/moP&I $2,183 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.043%APR 6.813% | 0 pts$0 | $2,186/moP&I $2,032 · MI $155 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.992%APR 6.043% | 0 pts$0 | $1,986/moP&I $1,986 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.771%APR 6.808% | 0 pts$0 | $2,155/moP&I $2,155 · MI $0 | See details |
| Investment Property FixedConforming | 7.623%APR 7.664% | 0 pts$0 | $2,346/moP&I $2,346 · 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 | 5.992% | 6.043% | 0 pts ($0) | $2,796/mo | $55,793 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.002% | 6.055% | 0 pts ($0) | $3,497/mo | $77,942 |
Condo 10% Down | 10% | 720 credit score | 7.151% | 7.319% | 0 pts ($0) | $2,519/mo | $88,328 |
Conventional 10% Down | 10% | 720 credit score | 6.596% | 6.752% | 0 pts ($0) | $2,381/mo | $82,091 |
Conventional 20% Down | 20% | 740 credit score | 6.897% | 6.933% | 0 pts ($0) | $2,183/mo | $67,522 |
Conventional 5% Down | 5% | 700 credit score | 7.010% | 7.488% | 0 pts ($0) | $2,622/mo | $91,561 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.339% | 7.378% | 0 pts ($0) | $2,852/mo | $98,006 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,452/mo | $83,088 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.806% | 7.181% | 0 pts ($0) | $2,622/mo | $94,635 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.771% | 6.808% | 0 pts ($0) | $2,694/mo | $90,909 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,420/mo | $81,531 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.043% | 6.813% | 0 pts ($0) | $2,451/mo | $86,127 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,511/mo | $87,895 |
FHA Streamline Refi | 0% | 640 credit score | 6.238% | 7.012% | 0 pts ($0) | $2,593/mo | $91,722 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.983% | 7.227% | 0 pts ($0) | $2,615/mo | $94,784 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,593/mo | $50,760 |
Investment Property 25% Down | 25% | 740 credit score | 7.623% | 7.664% | 0 pts ($0) | $2,199/mo | $70,107 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,233/mo | $69,800 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,410/mo | $73,883 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.411% | 7.188% | 0 pts ($0) | $2,548/mo | $90,630 |
Second Home 10% Down | 10% | 720 credit score | 5.943% | 6.515% | 0 pts ($0) | $2,222/mo | $74,765 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,180/mo | $67,392 |
VA 0% Down | 0% | 700 credit score | 6.036% | 6.280% | 0 pts ($0) | $2,548/mo | $84,157 |
VA Cash-Out Refi | 0% | 640 credit score | 6.049% | 6.418% | 0 pts ($0) | $2,551/mo | $84,322 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.066% | 6.218% | 0 pts ($0) | $2,556/mo | $84,538 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,280/mo | $72,140 |
Frequently Asked Questions
What are today's mortgage rates in 04548, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04548, , ME is 6.897% (with an estimated monthly payment of $2,278). Active program rates also include FHA 30-year fixed loans at 6.043% and VA 0%-down fixed loans at 6.036%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04548, , 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 04548, , ME have fluctuated between a low of 6.518% and a high of 6.975%. 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 04548, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $414,397 in 04548, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $82,879 but keeps your monthly payment lower at $2,278/mo (at 6.897% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,504 (3.5% down) but has an estimated payment of $2,558/mo (at 6.043% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $399,893 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 04548 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04548 is $806,501. With a typical local home value of $414,397 in , a standard 20%-down mortgage requires a loan size of $331,518. 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 04548, , ME impact estimated mortgage payments?
The median home value in 04548, , ME is estimated at $414,397. Buying a typical home here with a standard 20% down payment ($82,879) translates to an estimated starting monthly mortgage payment of $2,278 (principal and interest). Compared to the local area median household income of $100,461 ($8,372/mo), this basic housing payment represents approximately 27.2% 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.