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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 | 7.180%APR 7.228% | 0 pts$0 | $1,104/moP&I $1,104 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.110%APR 6.890% | 0 pts$0 | $1,081/moP&I $1,006 · MI $76 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.381%APR 6.450% | 0 pts$0 | $1,017/moP&I $1,017 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.163%APR 7.219% | 0 pts$0 | $1,102/moP&I $1,102 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.788% | 0 pts$0 | $1,153/moP&I $1,153 · 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 | 6.381% | 6.450% | 0 pts ($0) | $1,408/mo | $29,253 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.870% | 6.957% | 0 pts ($0) | $1,815/mo | $43,435 |
Condo 10% Down | 10% | 720 credit score | 7.459% | 7.645% | 0 pts ($0) | $1,276/mo | $45,105 |
Conventional 10% Down | 10% | 720 credit score | 6.903% | 7.074% | 0 pts ($0) | $1,207/mo | $42,032 |
Conventional 20% Down | 20% | 740 credit score | 7.180% | 7.228% | 0 pts ($0) | $1,104/mo | $34,568 |
Conventional 5% Down | 5% | 700 credit score | 7.163% | 7.656% | 0 pts ($0) | $1,308/mo | $45,883 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.591% | 7.642% | 0 pts ($0) | $1,436/mo | $49,706 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,205/mo | $40,827 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.800% | 7.183% | 0 pts ($0) | $1,288/mo | $46,466 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.163% | 7.219% | 0 pts ($0) | $1,377/mo | $47,076 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,680/mo | $40,062 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.110% | 6.890% | 0 pts ($0) | $1,213/mo | $42,723 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,234/mo | $43,189 |
FHA Streamline Refi | 0% | 640 credit score | 6.304% | 7.087% | 0 pts ($0) | $1,283/mo | $45,481 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.108% | 7.363% | 0 pts ($0) | $1,301/mo | $47,303 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,274/mo | $24,942 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.788% | 0 pts ($0) | $1,081/mo | $34,458 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,097/mo | $34,298 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,184/mo | $36,304 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.469% | 7.255% | 0 pts ($0) | $1,260/mo | $44,882 |
Second Home 10% Down | 10% | 720 credit score | 6.125% | 6.711% | 0 pts ($0) | $1,114/mo | $37,740 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,071/mo | $33,115 |
VA 0% Down | 0% | 700 credit score | 6.143% | 6.397% | 0 pts ($0) | $1,266/mo | $42,021 |
VA Cash-Out Refi | 0% | 640 credit score | 6.157% | 6.537% | 0 pts ($0) | $1,268/mo | $42,109 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.187% | 6.349% | 0 pts ($0) | $1,272/mo | $42,297 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,120/mo | $35,448 |
Frequently Asked Questions
What are today's mortgage rates in 04945, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04945, , ME is 7.180% (with an estimated monthly payment of $929). Active program rates also include FHA 30-year fixed loans at 6.110% and VA 0%-down fixed loans at 6.143%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04945, , 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 04945, , ME have fluctuated between a low of 7.003% and a high of 7.271%. 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 04945, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $203,624 in 04945, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $40,725 but keeps your monthly payment lower at $929/mo (at 7.180% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,127 (3.5% down) but has an estimated payment of $1,021/mo (at 6.110% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $196,497 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 04945 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04945 is $806,501. With a typical local home value of $203,624 in , a standard 20%-down mortgage requires a loan size of $162,899. 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 04945, , ME impact estimated mortgage payments?
The median home value in 04945, , ME is estimated at $203,624. Buying a typical home here with a standard 20% down payment ($40,725) translates to an estimated starting monthly mortgage payment of $929 (principal and interest). Compared to the local area median household income of $42,686 ($3,557/mo), this basic housing payment represents approximately 26.1% 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.