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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 | 6.958%APR 6.996% | 0 pts$0 | $1,606/moP&I $1,606 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.957%APR 6.728% | 0 pts$0 | $1,585/moP&I $1,472 · MI $113 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.111%APR 6.166% | 0 pts$0 | $1,471/moP&I $1,471 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.910%APR 6.949% | 0 pts$0 | $1,598/moP&I $1,598 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.700% | 0 pts$0 | $1,716/moP&I $1,716 · 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 | 6.111% | 6.166% | 0 pts ($0) | $2,060/mo | $41,627 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.068% | 6.124% | 0 pts ($0) | $2,568/mo | $57,564 |
Condo 10% Down | 10% | 720 credit score | 7.282% | 7.455% | 0 pts ($0) | $1,866/mo | $65,656 |
Conventional 10% Down | 10% | 720 credit score | 6.782% | 6.943% | 0 pts ($0) | $1,774/mo | $61,546 |
Conventional 20% Down | 20% | 740 credit score | 6.958% | 6.996% | 0 pts ($0) | $1,606/mo | $49,812 |
Conventional 5% Down | 5% | 700 credit score | 7.094% | 7.577% | 0 pts ($0) | $1,933/mo | $67,671 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.402% | 7.443% | 0 pts ($0) | $2,098/mo | $72,230 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,793/mo | $60,748 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.833% | 7.212% | 0 pts ($0) | $1,922/mo | $69,429 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.910% | 6.949% | 0 pts ($0) | $1,997/mo | $67,735 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,500/mo | $59,609 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.957% | 6.728% | 0 pts ($0) | $1,775/mo | $62,200 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,836/mo | $64,262 |
FHA Streamline Refi | 0% | 640 credit score | 6.079% | 6.851% | 0 pts ($0) | $1,864/mo | $65,586 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.051% | 7.298% | 0 pts ($0) | $1,925/mo | $69,889 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,895/mo | $37,111 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.700% | 0 pts ($0) | $1,608/mo | $51,271 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,633/mo | $51,032 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,762/mo | $54,017 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.319% | 7.096% | 0 pts ($0) | $1,845/mo | $65,438 |
Second Home 10% Down | 10% | 720 credit score | 5.962% | 6.537% | 0 pts ($0) | $1,628/mo | $54,818 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,594/mo | $49,271 |
VA 0% Down | 0% | 700 credit score | 6.081% | 6.327% | 0 pts ($0) | $1,872/mo | $61,947 |
VA Cash-Out Refi | 0% | 640 credit score | 6.085% | 6.456% | 0 pts ($0) | $1,872/mo | $61,985 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.092% | 6.246% | 0 pts ($0) | $1,874/mo | $62,050 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,667/mo | $52,743 |
Frequently Asked Questions
What are today's mortgage rates in 04926, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04926, , ME is 6.958% (with an estimated monthly payment of $1,770). Active program rates also include FHA 30-year fixed loans at 5.957% 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 04926, , 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 04926, , ME have fluctuated between a low of 6.620% and a high of 7.078%. 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 04926, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $302,974 in 04926, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $60,595 but keeps your monthly payment lower at $1,770/mo (at 6.958% interest) with no monthly PMI. In comparison, an FHA loan requires only $10,604 (3.5% down) but has an estimated payment of $1,957/mo (at 5.957% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $292,370 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 04926 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04926 is $806,501. With a typical local home value of $302,974 in , a standard 20%-down mortgage requires a loan size of $242,379. 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 04926, , ME impact estimated mortgage payments?
The median home value in 04926, , ME is estimated at $302,974. Buying a typical home here with a standard 20% down payment ($60,595) translates to an estimated starting monthly mortgage payment of $1,770 (principal and interest). Compared to the local area median household income of $96,309 ($8,026/mo), this basic housing payment represents approximately 22.1% 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.