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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 | 6.778%APR 6.810% | 0 pts$0 | $2,511/moP&I $2,511 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $2,529/moP&I $2,349 · MI $180 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.817%APR 5.861% | 0 pts$0 | $2,269/moP&I $2,269 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.473%APR 6.505% | 0 pts$0 | $2,433/moP&I $2,433 · MI $0 | See details |
| Investment Property FixedConforming | 7.447%APR 7.483% | 0 pts$0 | $2,685/moP&I $2,685 · 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 | 5.817% | 5.861% | 0 pts ($0) | $3,220/mo | $63,020 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.854% | 5.901% | 0 pts ($0) | $4,034/mo | $88,702 |
Condo 10% Down | 10% | 720 credit score | 6.962% | 7.122% | 0 pts ($0) | $2,879/mo | $100,389 |
Conventional 10% Down | 10% | 720 credit score | 6.475% | 6.625% | 0 pts ($0) | $2,738/mo | $94,018 |
Conventional 20% Down | 20% | 740 credit score | 6.778% | 6.810% | 0 pts ($0) | $2,511/mo | $77,249 |
Conventional 5% Down | 5% | 700 credit score | 6.921% | 7.393% | 0 pts ($0) | $3,026/mo | $105,399 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.164% | 7.198% | 0 pts ($0) | $3,264/mo | $111,586 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,856/mo | $96,762 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.562% | 6.927% | 0 pts ($0) | $2,978/mo | $106,769 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.473% | 6.505% | 0 pts ($0) | $3,042/mo | $101,539 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,982/mo | $94,948 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $2,833/mo | $99,332 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,924/mo | $102,359 |
FHA Streamline Refi | 0% | 640 credit score | 6.104% | 6.874% | 0 pts ($0) | $2,977/mo | $104,838 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.346% | 7.595% | 0 pts ($0) | $3,157/mo | $115,401 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,019/mo | $59,113 |
Investment Property 25% Down | 25% | 740 credit score | 7.447% | 7.483% | 0 pts ($0) | $2,518/mo | $79,722 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,601/mo | $81,287 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,806/mo | $86,041 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.344% | 7.118% | 0 pts ($0) | $2,947/mo | $104,589 |
Second Home 10% Down | 10% | 720 credit score | 7.451% | 7.621% | 0 pts ($0) | $3,022/mo | $106,794 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,539/mo | $78,482 |
VA 0% Down | 0% | 700 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,977/mo | $98,465 |
VA Cash-Out Refi | 0% | 640 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,977/mo | $98,465 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,977/mo | $98,465 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,656/mo | $84,011 |
Frequently Asked Questions
What are today's mortgage rates in 04568, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04568, , ME is 6.778% (with an estimated monthly payment of $5,152). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at a benchmark rate. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04568, , 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 04568, , ME have fluctuated between a low of 6.396% and a high of 6.855%. 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 04568, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $482,592 in 04568, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $96,518 but keeps your monthly payment lower at $5,152/mo (at 6.778% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,891 (3.5% down) but has an estimated payment of $3,293/mo (at 5.975% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $465,701 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 04568 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04568 is $806,501. With a typical local home value of $482,592 in , a standard 20%-down mortgage requires a loan size of $386,074. 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 04568, , ME impact estimated mortgage payments?
The median home value in 04568, , ME is estimated at $482,592. Buying a typical home here with a standard 20% down payment ($96,518) translates to an estimated starting monthly mortgage payment of $5,152 (principal and interest). Compared to the local area median household income of $69,211 ($5,768/mo), this basic housing payment represents approximately 89.3% 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.