Berkshire, MA Mortgage Rates and Refinance Rates

Berkshire, Massachusetts Mortgage Rates - Refinance Rates

Berkshire, MA: Search and compare mortgage rates and refinance rates in Berkshire, MA. Our rate table has a list of Berkshire, Massachusetts mortgage interest rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments. When you start your search for current mortgage rates you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Berkshire, MA include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Berkshire, MA listed below.

Loan Type
Purchase    Refinance
State/City    Zip Code
Loan Amt Points FICO % Down
15 yr fixed refi in 02118, All points, Credit score: 740+     Sort by:
Cost & Fees
Foxboro Federal Savings Logo
NMLS # 644159
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $674
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at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $760
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Eastern Bank
at 0.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $1,212
at 0.000 pts
60 day lock rate
Est payment: $1,408.26
Fees in APR: $705
Raymond James Bank, NA
at 0.000 pts
45 day lock rate
Est payment: $1,417.52
Fees in APR: $1,354
Middlesex Savings Bank
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $395
TD Bank, NA
at 0.000 pts
60 day lock rate
Est payment: $1,442.07
Fees in APR: $982

Mortage Data Provided by Many lenders have different rates on their own Websites than those posted on In order to get the rate, please identify yourself as a customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

Berkshire, MA Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Massachusetts. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Berkshire, MA mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Berkshire, MA mortgage loans that have been made. As a result, Berkshire, MA mortgage rates today are lower than jumbo interest rates in Berkshire, MA. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Berkshire, MA Super Conforming Home Loan Rates

Super conforming mortgages in Berkshire, MA are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Berkshire, MA Jumbo Loan Interest Rates

Berkshire, MA jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Berkshire, MA are usually 0.75 basis points higher than conforming interest rates in Berkshire, MA because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Berkshire, MA Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Berkshire, MA. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Berkshire, MA Adjustable Interest Rates

Berkshire, MA adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Berkshire, MA Interest Only Home Mortgage Rates

Berkshire, MA interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Berkshire, MA FHA Mortgage Mortgage Rates

Borrowers in Berkshire, MA must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Berkshire, MA are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.

Google Map for Berkshire, MA Rates & Resources

Berkshire FDIC Insured Banks

There are no FDIC insured banks in Berkshire