Franklin County · Maine Mortgage Rates
Franklin County Mortgage Rates — Farmington, Wilton & Western Maine
Franklin County covers western Maine from the Carrabassett Valley ski country down through Farmington (home of UMF) and Wilton. USDA 0% down works in nearly every town. Sugarloaf and Rangeley area second-home/STR purchases add a jumbo and second-home market layer on top of the rural base.
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Farmington (UMF) and Rangeley area are the two big submarkets.
Program emphasis: USDA · MaineHousing First Home · FHA
Farmington as a college-town market
UMF (University of Maine at Farmington) supports a steady rental market that appeals to small investors. Owner-occupied duplexes work well with FHA 3.5% down or conventional 15% down investor financing.
Carrabassett Valley and Sugarloaf
Second-home buyers at Sugarloaf often use 10% down second-home jumbo or 20% down investment financing depending on intended use. Maine STR rules vary by town — we'll flag the relevant ones on your preapproval call.
USDA-eligible towns
Nearly every Franklin County town qualifies for USDA, including Farmington, Wilton, Jay, Livermore Falls, New Sharon, Strong, and the Rangeley/Kingfield area.
Cities we serve in Franklin County
Loan programs for Franklin County
Maine USDA loan guide — 0% down rural mortgage, eligibility map, income limits by county, and preapproval.
Maine VA loan guide — 0% down, no PMI, competitive rates for veterans and active duty.
Maine jumbo loan guide — 2026 limits, rates, down payment requirements, and preapproval for homes over $806,500.
Maine FHA loan guide — 3.
Maine conventional loan guide — 3-20% down, 2026 loan limits, PMI rules, HomeReady/Home Possible programs, and preapproval.
Franklin County Mortgage FAQ
Other Maine counties we serve
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