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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 | $1,807/moP&I $1,807 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.960%APR 6.731% | 0 pts$0 | $1,782/moP&I $1,655 · MI $127 | 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 | $1,661/moP&I $1,661 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.982%APR 7.021% | 0 pts$0 | $1,809/moP&I $1,809 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.707% | 0 pts$0 | $1,928/moP&I $1,928 · 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) | $2,322/mo | $47,148 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.053% | 6.108% | 0 pts ($0) | $2,884/mo | $64,560 |
Condo 10% Down | 10% | 720 credit score | 7.297% | 7.471% | 0 pts ($0) | $2,101/mo | $73,942 |
Conventional 10% Down | 10% | 720 credit score | 6.793% | 6.954% | 0 pts ($0) | $1,997/mo | $69,285 |
Conventional 20% Down | 20% | 740 credit score | 6.971% | 7.010% | 0 pts ($0) | $1,807/mo | $56,100 |
Conventional 5% Down | 5% | 700 credit score | 7.111% | 7.595% | 0 pts ($0) | $2,177/mo | $76,235 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.417% | 7.459% | 0 pts ($0) | $2,362/mo | $81,347 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,015/mo | $68,286 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.837% | 7.216% | 0 pts ($0) | $2,162/mo | $78,085 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.982% | 7.021% | 0 pts ($0) | $2,262/mo | $76,879 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,810/mo | $67,006 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.960% | 6.731% | 0 pts ($0) | $1,996/mo | $69,949 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,063/mo | $72,236 |
FHA Streamline Refi | 0% | 640 credit score | 6.084% | 6.857% | 0 pts ($0) | $2,096/mo | $73,778 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.069% | 7.317% | 0 pts ($0) | $2,168/mo | $78,737 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,131/mo | $41,717 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.707% | 0 pts ($0) | $1,808/mo | $57,633 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,836/mo | $57,365 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,980/mo | $60,721 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.324% | 7.101% | 0 pts ($0) | $2,075/mo | $73,609 |
Second Home 10% Down | 10% | 720 credit score | 6.072% | 6.650% | 0 pts ($0) | $1,852/mo | $62,634 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,791/mo | $55,386 |
VA 0% Down | 0% | 700 credit score | 6.086% | 6.333% | 0 pts ($0) | $2,105/mo | $69,687 |
VA Cash-Out Refi | 0% | 640 credit score | 6.089% | 6.461% | 0 pts ($0) | $2,106/mo | $69,718 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.081% | 6.236% | 0 pts ($0) | $2,104/mo | $69,635 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,874/mo | $59,288 |
Frequently Asked Questions
What are today's mortgage rates in 04949, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04949, , 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 04949, , 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 04949, , 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 04949, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $340,572 in 04949, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $68,114 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 $11,920 (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 $328,652 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 04949 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04949 is $806,501. With a typical local home value of $340,572 in , a standard 20%-down mortgage requires a loan size of $272,458. 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 04949, , ME impact estimated mortgage payments?
The median home value in 04949, , ME is estimated at $340,572. Buying a typical home here with a standard 20% down payment ($68,114) translates to an estimated starting monthly mortgage payment of $1,692 (principal and interest). Compared to the local area median household income of $71,379 ($5,948/mo), this basic housing payment represents approximately 28.4% 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.