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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 | 6.995%APR 7.035% | 0 pts$0 | $1,324/moP&I $1,324 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.074%APR 6.847% | 0 pts$0 | $1,317/moP&I $1,224 · MI $93 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.254%APR 6.312% | 0 pts$0 | $1,226/moP&I $1,226 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.155%APR 7.207% | 0 pts$0 | $1,345/moP&I $1,345 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.721% | 0 pts$0 | $1,409/moP&I $1,409 · 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 | 6.254% | 6.312% | 0 pts ($0) | $1,707/mo | $35,012 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.270% | 6.333% | 0 pts ($0) | $2,136/mo | $48,733 |
Condo 10% Down | 10% | 720 credit score | 7.327% | 7.503% | 0 pts ($0) | $1,539/mo | $54,225 |
Conventional 10% Down | 10% | 720 credit score | 6.814% | 6.977% | 0 pts ($0) | $1,462/mo | $50,761 |
Conventional 20% Down | 20% | 740 credit score | 6.995% | 7.035% | 0 pts ($0) | $1,324/mo | $41,131 |
Conventional 5% Down | 5% | 700 credit score | 7.154% | 7.641% | 0 pts ($0) | $1,597/mo | $56,004 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.446% | 7.489% | 0 pts ($0) | $1,731/mo | $59,650 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,472/mo | $49,890 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.844% | 7.224% | 0 pts ($0) | $1,581/mo | $57,100 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.155% | 7.207% | 0 pts ($0) | $1,681/mo | $57,466 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,053/mo | $48,955 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.074% | 6.847% | 0 pts ($0) | $1,476/mo | $51,942 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,508/mo | $52,776 |
FHA Streamline Refi | 0% | 640 credit score | 6.268% | 7.045% | 0 pts ($0) | $1,562/mo | $55,303 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.103% | 7.352% | 0 pts ($0) | $1,589/mo | $57,768 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,557/mo | $30,478 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.721% | 0 pts ($0) | $1,321/mo | $42,107 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,341/mo | $41,911 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,447/mo | $44,363 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.438% | 7.218% | 0 pts ($0) | $1,534/mo | $54,617 |
Second Home 10% Down | 10% | 720 credit score | 6.079% | 6.658% | 0 pts ($0) | $1,354/mo | $45,808 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,309/mo | $40,465 |
VA 0% Down | 0% | 700 credit score | 6.078% | 6.325% | 0 pts ($0) | $1,537/mo | $50,852 |
VA Cash-Out Refi | 0% | 640 credit score | 6.082% | 6.454% | 0 pts ($0) | $1,537/mo | $50,883 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.088% | 6.243% | 0 pts ($0) | $1,538/mo | $50,929 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,369/mo | $43,316 |
Frequently Asked Questions
What are today's mortgage rates in 04956, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04956, , ME is 6.995% (with an estimated monthly payment of $1,559). Active program rates also include FHA 30-year fixed loans at 6.074% and VA 0%-down fixed loans at 6.078%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04956, , 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 04956, , ME have fluctuated between a low of 6.891% and a high of 7.142%. 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 04956, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $248,822 in 04956, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $49,764 but keeps your monthly payment lower at $1,559/mo (at 6.995% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,709 (3.5% down) but has an estimated payment of $1,739/mo (at 6.074% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $240,113 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 04956 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04956 is $806,501. With a typical local home value of $248,822 in , a standard 20%-down mortgage requires a loan size of $199,058. 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 04956, , ME impact estimated mortgage payments?
The median home value in 04956, , ME is estimated at $248,822. Buying a typical home here with a standard 20% down payment ($49,764) translates to an estimated starting monthly mortgage payment of $1,559 (principal and interest). Compared to the local area median household income of $55,850 ($4,654/mo), this basic housing payment represents approximately 33.5% 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.