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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 | 6.969%APR 7.008% | 0 pts$0 | $1,465/moP&I $1,465 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.960%APR 6.731% | 0 pts$0 | $1,445/moP&I $1,342 · MI $103 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.145%APR 6.201% | 0 pts$0 | $1,345/moP&I $1,345 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.990%APR 7.029% | 0 pts$0 | $1,468/moP&I $1,468 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.706% | 0 pts$0 | $1,564/moP&I $1,564 · 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 | 6.145% | 6.201% | 0 pts ($0) | $1,882/mo | $38,164 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.069% | 6.125% | 0 pts ($0) | $2,341/mo | $52,482 |
Condo 10% Down | 10% | 720 credit score | 7.295% | 7.469% | 0 pts ($0) | $1,703/mo | $59,948 |
Conventional 10% Down | 10% | 720 credit score | 6.791% | 6.952% | 0 pts ($0) | $1,619/mo | $56,171 |
Conventional 20% Down | 20% | 740 credit score | 6.969% | 7.008% | 0 pts ($0) | $1,465/mo | $45,481 |
Conventional 5% Down | 5% | 700 credit score | 7.109% | 7.593% | 0 pts ($0) | $1,765/mo | $61,806 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.415% | 7.457% | 0 pts ($0) | $1,915/mo | $65,951 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,634/mo | $55,376 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.836% | 7.215% | 0 pts ($0) | $1,753/mo | $63,314 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.990% | 7.029% | 0 pts ($0) | $1,836/mo | $62,411 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,279/mo | $54,338 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.960% | 6.731% | 0 pts ($0) | $1,619/mo | $56,725 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,673/mo | $58,579 |
FHA Streamline Refi | 0% | 640 credit score | 6.083% | 6.856% | 0 pts ($0) | $1,700/mo | $59,821 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.066% | 7.314% | 0 pts ($0) | $1,757/mo | $63,827 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,728/mo | $33,830 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.706% | 0 pts ($0) | $1,466/mo | $46,737 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,489/mo | $46,520 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,606/mo | $49,241 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.323% | 7.100% | 0 pts ($0) | $1,683/mo | $59,684 |
Second Home 10% Down | 10% | 720 credit score | 6.071% | 6.649% | 0 pts ($0) | $1,502/mo | $50,785 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,453/mo | $44,915 |
VA 0% Down | 0% | 700 credit score | 6.085% | 6.332% | 0 pts ($0) | $1,707/mo | $56,504 |
VA Cash-Out Refi | 0% | 640 credit score | 6.089% | 6.461% | 0 pts ($0) | $1,708/mo | $56,538 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.080% | 6.234% | 0 pts ($0) | $1,706/mo | $56,461 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,520/mo | $48,079 |
Frequently Asked Questions
What are today's mortgage rates in 04969, , ME across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 04969, , ME is 6.969% (with an estimated monthly payment of $1,702). Active program rates also include FHA 30-year fixed loans at 5.960% and VA 0%-down fixed loans at 6.085%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 04969, , 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 04969, , ME have fluctuated between a low of 6.857% and a high of 7.102%. 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 04969, , ME?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $276,184 in 04969, , ME, a standard 20%-down Conventional loan requires an upfront cash down payment of $55,237 but keeps your monthly payment lower at $1,702/mo (at 6.969% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,666 (3.5% down) but has an estimated payment of $1,880/mo (at 5.960% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $266,518 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 04969 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 04969 is $806,501. With a typical local home value of $276,184 in , a standard 20%-down mortgage requires a loan size of $220,947. 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 04969, , ME impact estimated mortgage payments?
The median home value in 04969, , ME is estimated at $276,184. Buying a typical home here with a standard 20% down payment ($55,237) translates to an estimated starting monthly mortgage payment of $1,702 (principal and interest). Compared to the local area median household income of $68,626 ($5,719/mo), this basic housing payment represents approximately 29.8% 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.