What are current mortgage rates in Machias ME?

Rates change daily based on profile and loan program — request a same-day quote.

Is Machias USDA-eligible?

Yes — essentially all of Machias and Washington County qualifies for USDA 0% down financing.

What down payment for Machias first-time buyers?

0% with USDA or VA (if eligible); 3–5% with FHA, MaineHousing, or conventional.

How do I get preapproved in Machias?

Submit pay stubs, W-2s or tax returns, and credit info. Preapproval typically issues within 24–48 hours.

Machias, ME · Mortgage Rates

Machias ME Mortgage Rates

Machias ME median home values are around $175,000 — one of Maine's most affordable markets. See current rates for purchase, refinance, first-time buyers, and USDA 0% down in Machias, East Machias, and Washington County.

Get Machias preapproval See Maine Rates

24–48 hr preapprovals

Conventional · FHA · VA · USDA · Jumbo

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Prefer to talk? Call 207-831-1903.

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NMLS #249610

Seth Jacobs, Loan Officer

LeaderOne Financial

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Portland · Bangor · Statewide

Machias market snapshot

Median price: $175,000 · County: Washington County

Machias median home values are around $175,000 — Washington County's Down East service center with UMaine Machias, blueberry country, and USDA-eligible housing across the region.

Today's Machias Mortgage Rates

Rates for Machias loans depend on credit, down payment, and loan type. We compare conventional, FHA, VA, USDA, and MaineHousing — nearly all of Washington County is USDA-eligible for 0% down.

USDA 0% Down in Washington County

Washington County is one of Maine's strongest USDA markets. Nearly every Machias, East Machias, Whiting, and surrounding address qualifies for USDA 100% financing for eligible primary-residence buyers.

First-Time Buyer Programs in Machias

Machias first-time buyers use MaineHousing's First Home Loan, the Advantage Grant, FHA, VA, and USDA. Combining programs can mean 0% down plus assistance for eligible buyers.