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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 | 6.922%APR 6.959% | 0 pts$0 | $1,857/moP&I $1,857 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.946%APR 6.715% | 0 pts$0 | $1,838/moP&I $1,707 · MI $131 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.038%APR 6.091% | 0 pts$0 | $1,694/moP&I $1,694 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.792%APR 6.830% | 0 pts$0 | $1,833/moP&I $1,833 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.680% | 0 pts$0 | $1,992/moP&I $1,992 · 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 | 6.038% | 6.091% | 0 pts ($0) | $2,380/mo | $47,730 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.045% | 6.100% | 0 pts ($0) | $2,977/mo | $66,593 |
Condo 10% Down | 10% | 720 credit score | 7.235% | 7.406% | 0 pts ($0) | $2,156/mo | $75,772 |
Conventional 10% Down | 10% | 720 credit score | 6.751% | 6.911% | 0 pts ($0) | $2,053/mo | $71,153 |
Conventional 20% Down | 20% | 740 credit score | 6.922% | 6.959% | 0 pts ($0) | $1,857/mo | $57,522 |
Conventional 5% Down | 5% | 700 credit score | 7.045% | 7.526% | 0 pts ($0) | $2,233/mo | $78,067 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.366% | 7.406% | 0 pts ($0) | $2,427/mo | $83,470 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,081/mo | $70,523 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.823% | 7.199% | 0 pts ($0) | $2,229/mo | $80,498 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.792% | 6.830% | 0 pts ($0) | $2,291/mo | $77,383 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,902/mo | $69,201 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.946% | 6.715% | 0 pts ($0) | $2,059/mo | $72,095 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,131/mo | $74,602 |
FHA Streamline Refi | 0% | 640 credit score | 6.065% | 6.836% | 0 pts ($0) | $2,161/mo | $75,989 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.003% | 7.248% | 0 pts ($0) | $2,224/mo | $80,651 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,200/mo | $43,083 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.680% | 0 pts ($0) | $1,867/mo | $59,521 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,896/mo | $59,244 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,045/mo | $62,709 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.306% | 7.081% | 0 pts ($0) | $2,139/mo | $75,832 |
Second Home 10% Down | 10% | 720 credit score | 5.951% | 6.524% | 0 pts ($0) | $1,888/mo | $63,534 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,850/mo | $57,200 |
VA 0% Down | 0% | 700 credit score | 6.068% | 6.313% | 0 pts ($0) | $2,170/mo | $71,775 |
VA Cash-Out Refi | 0% | 640 credit score | 6.071% | 6.441% | 0 pts ($0) | $2,171/mo | $71,807 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.077% | 6.230% | 0 pts ($0) | $2,172/mo | $71,872 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,935/mo | $61,230 |
Frequently Asked Questions
What are today's mortgage rates in 04918, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04918, , ME is 6.922% (with an estimated monthly payment of $2,031). Active program rates also include FHA 30-year fixed loans at 5.946% and VA 0%-down fixed loans at 6.068%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04918, , 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 04918, , ME have fluctuated between a low of 6.560% and a high of 7.000%. 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 04918, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $351,726 in 04918, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $70,345 but keeps your monthly payment lower at $2,031/mo (at 6.922% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,310 (3.5% down) but has an estimated payment of $2,252/mo (at 5.946% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $339,416 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 04918 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04918 is $806,501. With a typical local home value of $351,726 in , a standard 20%-down mortgage requires a loan size of $281,381. 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 04918, , ME impact estimated mortgage payments?
The median home value in 04918, , ME is estimated at $351,726. Buying a typical home here with a standard 20% down payment ($70,345) translates to an estimated starting monthly mortgage payment of $2,031 (principal and interest). Compared to the local area median household income of $88,338 ($7,362/mo), this basic housing payment represents approximately 27.6% 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.