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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 | 6.971%APR 7.010% | 0 pts$0 | $1,013/moP&I $1,013 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.960%APR 6.731% | 0 pts$0 | $999/moP&I $927 · MI $71 | 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 | $931/moP&I $931 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.982%APR 7.021% | 0 pts$0 | $1,014/moP&I $1,014 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.707% | 0 pts$0 | $1,081/moP&I $1,081 · 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 | 6.156% | 6.212% | 0 pts ($0) | $1,301/mo | $26,422 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.053% | 6.108% | 0 pts ($0) | $1,616/mo | $36,179 |
Condo 10% Down | 10% | 720 credit score | 7.297% | 7.471% | 0 pts ($0) | $1,177/mo | $41,437 |
Conventional 10% Down | 10% | 720 credit score | 6.793% | 6.954% | 0 pts ($0) | $1,119/mo | $38,827 |
Conventional 20% Down | 20% | 740 credit score | 6.971% | 7.010% | 0 pts ($0) | $1,013/mo | $31,438 |
Conventional 5% Down | 5% | 700 credit score | 7.111% | 7.595% | 0 pts ($0) | $1,220/mo | $42,722 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.417% | 7.459% | 0 pts ($0) | $1,324/mo | $45,587 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,129/mo | $38,267 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.837% | 7.216% | 0 pts ($0) | $1,211/mo | $43,759 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.982% | 7.021% | 0 pts ($0) | $1,267/mo | $43,083 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,575/mo | $37,550 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.960% | 6.731% | 0 pts ($0) | $1,119/mo | $39,199 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,156/mo | $40,481 |
FHA Streamline Refi | 0% | 640 credit score | 6.084% | 6.857% | 0 pts ($0) | $1,175/mo | $41,345 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.069% | 7.317% | 0 pts ($0) | $1,215/mo | $44,124 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,194/mo | $23,378 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.707% | 0 pts ($0) | $1,013/mo | $32,298 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,029/mo | $32,147 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,110/mo | $34,028 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.324% | 7.101% | 0 pts ($0) | $1,163/mo | $41,250 |
Second Home 10% Down | 10% | 720 credit score | 6.072% | 6.650% | 0 pts ($0) | $1,038/mo | $35,100 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,004/mo | $31,038 |
VA 0% Down | 0% | 700 credit score | 6.086% | 6.333% | 0 pts ($0) | $1,180/mo | $39,053 |
VA Cash-Out Refi | 0% | 640 credit score | 6.089% | 6.461% | 0 pts ($0) | $1,180/mo | $39,070 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.081% | 6.236% | 0 pts ($0) | $1,179/mo | $39,023 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,050/mo | $33,225 |
Frequently Asked Questions
What are today's mortgage rates in 04764, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04764, , 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 04764, , 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 04764, , 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 04764, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $190,856 in 04764, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $38,171 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 $6,680 (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 $184,176 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 04764 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04764 is $806,501. With a typical local home value of $190,856 in , a standard 20%-down mortgage requires a loan size of $152,685. 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 04764, , ME impact estimated mortgage payments?
The median home value in 04764, , ME is estimated at $190,856. Buying a typical home here with a standard 20% down payment ($38,171) translates to an estimated starting monthly mortgage payment of $1,692 (principal and interest). Compared to the local area median household income of $68,220 ($5,685/mo), this basic housing payment represents approximately 29.8% 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.