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Maine Mortgage Rates

Compare Maine mortgage rates and home loan options

A local mortgage-rate guide for Maine buyers and homeowners. Compare rate trends, estimate payments, and review closing-cost questions before you talk to a lender.

Maine rate snapshot

Rates pulled: Jun. 1, 2026, 6:30 AM ET

Benchmark data shown below is national rate data, not a guaranteed Maine quote. Use it to sanity-check lender offers and compare APR, points, credits, and lock periods.

Weekly trendSlightly lower30-yr fixed eased about 0.03 pts this week.
30-day biasLower, still choppyNational scenario band roughly 6.35%-6.75%.
30-year fixedMost buyers
6.56%6.63% APR
Next weekLower bias0.00-0.05 pts lowerLower bias. Expected move: 0.00-0.05 pts lower.
Next monthLower bias0.05-0.20 pts lowerLower bias. Expected move: 0.05-0.20 pts lower.
15-year fixedFaster payoff
5.92%6.02% APR
Next weekLower bias0.00-0.05 pts lowerLower bias. Expected move: 0.00-0.05 pts lower.
Next monthLower bias0.05-0.15 pts lowerLower bias. Expected move: 0.05-0.15 pts lower.
FHA 30-yearLower down payment
6.39%6.44% APR
Next weekFlatFlat to 0.05 lowerFlat. Expected move: Flat to 0.05 lower.
Next monthMixedMixed, 0.00-0.15 lowerMixed. Expected move: Mixed, 0.00-0.15 lower.
VA 30-yearEligible military
6.51%6.56% APR
Next weekFlatFlat to 0.05 lowerFlat. Expected move: Flat to 0.05 lower.
Next monthMixedMixed, 0.00-0.15 lowerMixed. Expected move: Mixed, 0.00-0.15 lower.

The next-week and next-month outlook are an educational scenario from our current 30-day model bias (slightly lower but still volatile), not a guaranteed prediction, Maine quote, rate-lock offer, APR promise, or financial advice. Rates can move either direction.

Benchmark source: Bankrate national mortgage-rate table as of June 1, 2026 at 6:30 AM. Freddie Mac's weekly PMMS benchmark showed 6.53% for the 30-year fixed and 5.87% for the 15-year fixed as of May 28, 2026. Mortgage News Daily's daily top-tier 30-year fixed index showed 6.56% on May 29, 2026. Rates vary by credit, LTV, county, occupancy, property type, loan size, and lock period. This page does not display a guaranteed rate or rate lock.

30-day movement outlook

Bias: slightly lower, still volatile

Our current 30-day scenario for national 30-year fixed benchmarks is roughly 6.35% to 6.75%, with day-to-day volatility likely. Cooler inflation, softer jobs data, and lower Treasury yields could pull rates toward the lower end. Hot inflation, stronger payrolls, or wider mortgage-bond spreads could keep rates near the upper end.

Outlook disclaimer: This is an educational scenario range, not a forecast guarantee, rate-lock offer, or financial advice. Your actual Maine mortgage quote can be higher or lower based on borrower profile, property details, loan terms, lender pricing, and market timing.

Maine mortgage tools

Payment calculator

Estimate principal, interest, taxes, insurance, and HOA.

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Affordability calculator

Estimate a responsible home-price range before shopping.

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Frequently asked questions

Are Maine mortgage rates different from national averages?

They can be. State-level taxes, insurance costs, property types, lender competition, and local loan sizes can affect the final APR and payment.

Should I choose the lowest Maine advertised rate?

Not automatically. Compare APR, points, origination charges, lender credits, and rate-lock period. A lower rate can cost more if it requires high upfront points.