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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 | 7.003%APR 7.043% | 0 pts$0 | $1,240/moP&I $1,240 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.074%APR 6.848% | 0 pts$0 | $1,232/moP&I $1,145 · MI $87 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.265%APR 6.324% | 0 pts$0 | $1,149/moP&I $1,149 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.026%APR 7.066% | 0 pts$0 | $1,243/moP&I $1,243 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.726% | 0 pts$0 | $1,319/moP&I $1,319 · 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 | 6.265% | 6.324% | 0 pts ($0) | $1,599/mo | $32,826 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.131% | 6.189% | 0 pts ($0) | $1,982/mo | $44,668 |
Condo 10% Down | 10% | 720 credit score | 7.338% | 7.514% | 0 pts ($0) | $1,442/mo | $50,816 |
Conventional 10% Down | 10% | 720 credit score | 6.822% | 6.986% | 0 pts ($0) | $1,369/mo | $47,555 |
Conventional 20% Down | 20% | 740 credit score | 7.003% | 7.043% | 0 pts ($0) | $1,240/mo | $38,537 |
Conventional 5% Down | 5% | 700 credit score | 7.177% | 7.665% | 0 pts ($0) | $1,498/mo | $52,565 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.457% | 7.500% | 0 pts ($0) | $1,621/mo | $55,901 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,378/mo | $46,689 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.846% | 7.226% | 0 pts ($0) | $1,479/mo | $53,450 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.026% | 7.066% | 0 pts ($0) | $1,553/mo | $52,874 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,922/mo | $45,814 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.074% | 6.848% | 0 pts ($0) | $1,382/mo | $48,610 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,411/mo | $49,390 |
FHA Streamline Refi | 0% | 640 credit score | 6.269% | 7.046% | 0 pts ($0) | $1,462/mo | $51,762 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.115% | 7.364% | 0 pts ($0) | $1,489/mo | $54,142 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,457/mo | $28,523 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.726% | 0 pts ($0) | $1,236/mo | $39,406 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,255/mo | $39,222 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,354/mo | $41,517 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.438% | 7.218% | 0 pts ($0) | $1,436/mo | $51,113 |
Second Home 10% Down | 10% | 720 credit score | 6.083% | 6.662% | 0 pts ($0) | $1,268/mo | $42,894 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,225/mo | $37,869 |
VA 0% Down | 0% | 700 credit score | 6.081% | 6.328% | 0 pts ($0) | $1,439/mo | $47,612 |
VA Cash-Out Refi | 0% | 640 credit score | 6.083% | 6.455% | 0 pts ($0) | $1,439/mo | $47,626 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.092% | 6.248% | 0 pts ($0) | $1,440/mo | $47,690 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,281/mo | $40,537 |
Frequently Asked Questions
What are today's mortgage rates in 04655, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04655, , ME is 7.003% (with an estimated monthly payment of $1,514). Active program rates also include FHA 30-year fixed loans at 6.074% and VA 0%-down fixed loans at 6.081%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04655, , 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 04655, , ME have fluctuated between a low of 6.901% and a high of 7.154%. 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 04655, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $232,860 in 04655, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $46,572 but keeps your monthly payment lower at $1,514/mo (at 7.003% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,150 (3.5% down) but has an estimated payment of $1,688/mo (at 6.074% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $224,710 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 04655 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04655 is $806,501. With a typical local home value of $232,860 in , a standard 20%-down mortgage requires a loan size of $186,288. 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 04655, , ME impact estimated mortgage payments?
The median home value in 04655, , ME is estimated at $232,860. Buying a typical home here with a standard 20% down payment ($46,572) translates to an estimated starting monthly mortgage payment of $1,514 (principal and interest). Compared to the local area median household income of $58,594 ($4,883/mo), this basic housing payment represents approximately 31.0% 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.