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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 | 7.204%APR 7.252% | 0 pts$0 | $1,003/moP&I $1,003 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.114%APR 6.894% | 0 pts$0 | $981/moP&I $912 · MI $69 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.398%APR 6.468% | 0 pts$0 | $924/moP&I $924 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.130%APR 7.178% | 0 pts$0 | $996/moP&I $996 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.793% | 0 pts$0 | $1,046/moP&I $1,046 · 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 | 6.398% | 6.468% | 0 pts ($0) | $1,279/mo | $26,602 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.298% | 6.367% | 0 pts ($0) | $1,588/mo | $36,317 |
Condo 10% Down | 10% | 720 credit score | 7.470% | 7.656% | 0 pts ($0) | $1,159/mo | $40,959 |
Conventional 10% Down | 10% | 720 credit score | 6.910% | 7.081% | 0 pts ($0) | $1,096/mo | $38,153 |
Conventional 20% Down | 20% | 740 credit score | 7.204% | 7.252% | 0 pts ($0) | $1,003/mo | $31,456 |
Conventional 5% Down | 5% | 700 credit score | 7.170% | 7.663% | 0 pts ($0) | $1,187/mo | $41,647 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.604% | 7.655% | 0 pts ($0) | $1,304/mo | $45,149 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,093/mo | $37,025 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.802% | 7.186% | 0 pts ($0) | $1,168/mo | $42,149 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.130% | 7.178% | 0 pts ($0) | $1,245/mo | $42,509 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,524/mo | $36,331 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.114% | 6.894% | 0 pts ($0) | $1,100/mo | $38,766 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,119/mo | $39,167 |
FHA Streamline Refi | 0% | 640 credit score | 6.307% | 7.090% | 0 pts ($0) | $1,164/mo | $41,263 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.111% | 7.366% | 0 pts ($0) | $1,180/mo | $42,914 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,155/mo | $22,619 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.793% | 0 pts ($0) | $980/mo | $31,249 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $995/mo | $31,104 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,074/mo | $32,923 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.472% | 7.258% | 0 pts ($0) | $1,143/mo | $40,719 |
Second Home 10% Down | 10% | 720 credit score | 6.126% | 6.712% | 0 pts ($0) | $1,010/mo | $34,231 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $971/mo | $30,031 |
VA 0% Down | 0% | 700 credit score | 6.149% | 6.403% | 0 pts ($0) | $1,149/mo | $38,142 |
VA Cash-Out Refi | 0% | 640 credit score | 6.164% | 6.544% | 0 pts ($0) | $1,151/mo | $38,227 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.194% | 6.357% | 0 pts ($0) | $1,155/mo | $38,397 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,016/mo | $32,146 |
Frequently Asked Questions
What are today's mortgage rates in 04772, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04772, , ME is 7.204% (with an estimated monthly payment of $917). Active program rates also include FHA 30-year fixed loans at 6.114% and VA 0%-down fixed loans at 6.149%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04772, , 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 04772, , ME have fluctuated between a low of 7.020% and a high of 7.280%. 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 04772, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $184,661 in 04772, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $36,932 but keeps your monthly payment lower at $917/mo (at 7.204% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,463 (3.5% down) but has an estimated payment of $1,006/mo (at 6.114% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $178,198 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 04772 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04772 is $806,501. With a typical local home value of $184,661 in , a standard 20%-down mortgage requires a loan size of $147,729. 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 04772, , ME impact estimated mortgage payments?
The median home value in 04772, , ME is estimated at $184,661. Buying a typical home here with a standard 20% down payment ($36,932) translates to an estimated starting monthly mortgage payment of $917 (principal and interest). Compared to the local area median household income of $57,813 ($4,818/mo), this basic housing payment represents approximately 19.0% 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.