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 Seal Cove
We rank active Seal Cove 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 | 6.971%APR 7.010% | 0 pts$0 | $2,835/moP&I $2,835 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.960%APR 6.731% | 0 pts$0 | $2,796/moP&I $2,596 · MI $199 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.156%APR 6.212% | 0 pts$0 | $2,606/moP&I $2,606 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.982%APR 7.021% | 0 pts$0 | $2,839/moP&I $2,839 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.707% | 0 pts$0 | $3,025/moP&I $3,025 · 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 | 6.156% | 6.212% | 0 pts ($0) | $3,643/mo | $73,967 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.053% | 6.108% | 0 pts ($0) | $4,524/mo | $101,282 |
Condo 10% Down | 10% | 720 credit score | 7.297% | 7.471% | 0 pts ($0) | $3,296/mo | $116,001 |
Conventional 10% Down | 10% | 720 credit score | 6.793% | 6.954% | 0 pts ($0) | $3,133/mo | $108,694 |
Conventional 20% Down | 20% | 740 credit score | 6.971% | 7.010% | 0 pts ($0) | $2,835/mo | $88,010 |
Conventional 5% Down | 5% | 700 credit score | 7.111% | 7.595% | 0 pts ($0) | $3,415/mo | $119,598 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.417% | 7.459% | 0 pts ($0) | $3,706/mo | $127,618 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,162/mo | $107,128 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.837% | 7.216% | 0 pts ($0) | $3,391/mo | $122,500 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.982% | 7.021% | 0 pts ($0) | $3,548/mo | $120,609 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,409/mo | $105,119 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.960% | 6.731% | 0 pts ($0) | $3,132/mo | $109,737 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,237/mo | $113,325 |
FHA Streamline Refi | 0% | 640 credit score | 6.084% | 6.857% | 0 pts ($0) | $3,289/mo | $115,743 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.069% | 7.317% | 0 pts ($0) | $3,400/mo | $123,523 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,343/mo | $65,446 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.707% | 0 pts ($0) | $2,836/mo | $90,415 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,880/mo | $89,995 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,107/mo | $95,259 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.324% | 7.101% | 0 pts ($0) | $3,255/mo | $115,478 |
Second Home 10% Down | 10% | 720 credit score | 6.072% | 6.650% | 0 pts ($0) | $2,905/mo | $98,261 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,811/mo | $86,890 |
VA 0% Down | 0% | 700 credit score | 6.086% | 6.333% | 0 pts ($0) | $3,302/mo | $109,325 |
VA Cash-Out Refi | 0% | 640 credit score | 6.089% | 6.461% | 0 pts ($0) | $3,304/mo | $109,375 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.081% | 6.236% | 0 pts ($0) | $3,301/mo | $109,243 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,940/mo | $93,011 |
Frequently Asked Questions
What are today's mortgage rates in 04674, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04674, , ME is 6.971% (with an estimated monthly payment of $1,692). Active program rates also include FHA 30-year fixed loans at 5.960% and VA 0%-down fixed loans at 6.086%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04674, , 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 04674, , ME have fluctuated between a low of 6.859% and a high of 7.106%. 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 04674, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $534,291 in 04674, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $106,858 but keeps your monthly payment lower at $1,692/mo (at 6.971% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,700 (3.5% down) but has an estimated payment of $1,868/mo (at 5.960% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $515,591 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 04674 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04674 is $806,501. With a typical local home value of $534,291 in , a standard 20%-down mortgage requires a loan size of $427,433. 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 04674, , ME impact estimated mortgage payments?
The median home value in 04674, , ME is estimated at $534,291. Buying a typical home here with a standard 20% down payment ($106,858) translates to an estimated starting monthly mortgage payment of $1,692 (principal and interest). Compared to the local area median household income of $88,405 ($7,367/mo), this basic housing payment represents approximately 23.0% 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.