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 or mortgage refinance rates you need to first have an understanding of the types of mortgages available and the corresponding interest rates. Types of mortgages interest rates and refinance mortgage 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
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 02118, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
at 0.000 pts
60 day lock rate
Est payment: $1,454.44
Fees in APR: $1,645
 
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
(877) 915-5390
at 0.000 pts
40 day lock rate
Est payment: $1,429.77
Fees in APR: $1,750
 
 
Next button
Roundpoint Mortgage Logo
NMLS # 49636
State Lic # ML49636
(877) 821-7693
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: None
Please contact us for more options including no closing costs. 
 
Next button
CertusBank Mortgage Logo
NMLS # 445276
(877) 811-6467
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,375
 
 
Next button
Greenlight Loans Logo
NMLS # 2119
State Lic # ML2140
(877) 678-0132
at 0.000 pts
45 day lock rate
Est payment: $1,442.07
Fees in APR: $1,995
Corporate NMLS ID #2140 
 
Next button
Pentagon Federal Credit Union Logo
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: None
 
 
Next button
AimLoan.com Logo
NMLS # 2890
State Lic # MC3492
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $1,995
 
 
Next button
Amerisave Mortgage Corporation Logo
NMLS # 1168
State Lic # ML1168
(877) 892-7165
at 0.000 pts
30 day lock rate
Est payment: $1,429.77
Fees in APR: $1,995
Billions Funded. Direct Lender. 
 
Next button
Foxboro Federal Savings Logo
NMLS # 644159
at 0.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $1,166
Our time on Bankrate is limited; see rates 24/7 on our website. 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # MC174457
(877) 561-0247
at 0.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $1,395
 
 
Next button
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $760
 
 
Next button
Merrimack Mortgage Company, Inc. Logo
NMLS # 2561
State Lic # MC1768
at 0.000 pts
35 day lock rate
Est payment: $1,393.22
Fees in APR: $1,200
 
 
Next button
at 0.000 pts
60 day lock rate
Est payment: $1,442.07
Fees in APR: $480
We offer 15/1 ARM first-time homebuyer loans at lowellfive.com. 
 
Next button
Greenlight Loans Logo
NMLS # 2119
State Lic # ML2140
(877) 678-0132
at 2.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $1,995
Corporate NMLS ID #2140 
 
Next button
Roundpoint Mortgage Logo
NMLS # 49636
State Lic # ML49636
(877) 821-7693
at 1.946 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: None
Please contact us for more options including no closing costs. 
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
(877) 915-5390
at 1.625 pts
40 day lock rate
Est payment: $1,393.22
Fees in APR: $1,750
 
 
Next button
at 2.000 pts
60 day lock rate
Est payment: $1,393.22
Fees in APR: $480
We offer 15/1 ARM first-time homebuyer loans at lowellfive.com. 
 
Next button
Amerisave Mortgage Corporation Logo
NMLS # 1168
State Lic # ML1168
(877) 892-7165
at 2.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $1,995
Billions Funded. Direct Lender. 
 
Next button
CertusBank Mortgage Logo
NMLS # 445276
(877) 811-6467
at 2.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $1,375
 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # MC174457
(877) 561-0247
at 2.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,950
 
 
Next button
AimLoan.com Logo
NMLS # 2890
State Lic # MC3492
at 1.100 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $2,885
 
 
Next button
Roundpoint Mortgage Logo
NMLS # 49636
State Lic # ML49636
(877) 821-7693
at 0.761 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: None
Please contact us for more options including no closing costs. 
 
Next button
Pentagon Federal Credit Union Logo
at 1.000 pts
60 day lock rate
Est payment: $1,405.34
Fees in APR: None
 
 
Next button
Greenlight Loans Logo
NMLS # 2119
State Lic # ML2140
(877) 678-0132
at 1.000 pts
45 day lock rate
Est payment: $1,429.77
Fees in APR: $1,995
Corporate NMLS ID #2140 
 
Next button
Amerisave Mortgage Corporation Logo
NMLS # 1168
State Lic # ML1168
(877) 892-7165
at 1.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,995
Billions Funded. Direct Lender. 
 
Next button
loanDepot Logo
NMLS # 174457
State Lic # MC174457
(877) 561-0247
at 1.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $695
 
 
Next button
Merrimack Mortgage Company, Inc. Logo
NMLS # 2561
State Lic # MC1768
at 1.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $500
 
 
Next button
Discover Home Loans, Inc Logo
NMLS # 837915
(877) 915-5390
at 0.375 pts
40 day lock rate
Est payment: $1,417.52
Fees in APR: $1,750
 
 
Next button
AimLoan.com Logo
NMLS # 2890
State Lic # MC3492
at 0.100 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $3,333
 
 
Next button
at 1.000 pts
60 day lock rate
Est payment: $1,417.52
Fees in APR: $480
We offer 15/1 ARM first-time homebuyer loans at lowellfive.com. 
 
Next button
CertusBank Mortgage Logo
NMLS # 445276
(877) 811-6467
at 1.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $1,375
 
 
Next button
Rockland Trust Company
3.564%
4/23/2014
3.500%
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: $871
 
 
Eastern Bank
3.586%
4/23/2014
3.500%
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: $1,182
 
 
Santander Bank, N.A.
3.453%
4/23/2014
3.375%
at 0.000 pts
60 day lock rate
Est payment: $1,417.52
Fees in APR: $1,067
 
 
Citizens Bank of MA
3.559%
4/23/2014
3.500%
at 0.000 pts
60 day lock rate
Est payment: $1,429.77
Fees in APR: $808
 
 
Middlesex Savings Bank
3.779%
4/23/2014
3.750%
at 0.000 pts
60 day lock rate
Est payment: $1,454.44
Fees in APR: $395
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com 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 Bankrate.com 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 Bankrate.com 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