Massachusetts Mortgage Rates and Refinance Rates

Massachusetts Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Massachusetts. Our rate table has a list of Massachusetts mortgage 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 in Massachusetts you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Massachusetts 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 Massachusetts listed below.

Loan Type Purchase    Refinance	Location State/City    Zip Code		Loan Amt	Points	FICO	% Down
30 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5/1 ARM refi 7/1 ARM refi 10/1 ARM refi 3/1 ARM refi 5/1 ARM refi IO 7/1 ARM refi IO 3/1 ARM refi IO	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Amherst Barnstable-Yarmouth Boston Cambridge Chelmsford Chestnut Hill Lowell Methuen New Bedford Norfolk-Norwood Northampton Pittsfield-Lenox Plymouth Springfield Taunton-Attleboro Williamstown Worcester		$	All 0 0.1 - 1 1.1 - 2	660 - 679 680 - 699 700 - 719 720 - 739 740+	5% 10% 15% 20% 25% 30% 40%

30 yr fixed refi in 02118, All points, Credit score: 740+     Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

30 yr fixed Mortgage Loan from Ally Bank

Ally Bank

https://www.brimg.net/system/img/inst/10271_logo.gif

300000

Refinance

4.573

4.500

USD

NMLS # 181005

4.573%

8/16/2018

4.500%

at 0.100 pts
30 day lock rate

Est payment: $1,520.06

Fees in APR: $2,268

Thanks for the inquiry! 

 

Next

30 yr fixed Mortgage Loan from Capital Bank N.A.

Capital Bank N.A.

https://www.brimg.net/system/img/inst/8589_logo.gif

300000

Refinance

4.318

4.250

USD

4.318%

8/16/2018

4.250%

at 0.100 pts
30 day lock rate

Est payment: $1,475.82

Fees in APR: $2,120

 

 

Next

30 yr fixed Mortgage Loan from CIT Bank

CIT Bank

https://www.brimg.net/system/img/inst/10026_logo.gif

300000

Refinance

4.190

4.050

USD

NMLS # 541760
(877) 341-6056

4.190%

8/16/2018

4.050%

at 0.100 pts
45 day lock rate

Est payment: $1,440.91

Fees in APR: $4,687

Thank you for your inquiry! We look forward to working with you. 

 

Next

30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank

ConsumerDirect Mortgage, a division of First Bank

https://www.brimg.net/system/img/inst/8087_logo.gif

300000

Refinance

4.356

4.125

USD

NMLS # 472433

4.356%

8/16/2018

4.125%

at 1.000 pts
30 day lock rate

Est payment: $1,453.95

Fees in APR: $5,144

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

30 yr fixed Mortgage Loan from HomeDirect Mortgage

HomeDirect Mortgage

https://www.brimg.net/system/img/inst/10447_logo.gif

300000

Refinance

4.521

4.375

USD

NMLS # 403501

4.521%

8/16/2018

4.375%

at 1.000 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $2,100

 

 

Next

30 yr fixed Mortgage Loan from Flagstar Bank

Flagstar Bank

https://www.brimg.net/system/img/inst/6546_logo.gif

300000

Refinance

4.468

4.375

USD

NMLS # 417490

4.468%

8/16/2018

4.375%

at 0.100 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $2,961

Thank you for your inquiry! 

 

Next

30 yr fixed Mortgage Loan from McGlone Mortgage Group

McGlone Mortgage Group

https://www.brimg.net/system/img/inst/2125_logo.gif

300000

Refinance

4.400

4.375

USD

NMLS # 3232
State Lic # MC3232
(877) 475-4039

4.400%

8/16/2018

4.375%

at 0.000 pts
45 day lock rate

Est payment: $1,497.86

Fees in APR: $895

Thanks for the inquiry! 

 

Next

30 yr fixed Mortgage Loan from Ally Bank

Ally Bank

https://www.brimg.net/system/img/inst/10271_logo.gif

300000

Refinance

4.645

4.625

USD

NMLS # 181005

4.645%

8/16/2018

4.625%

at 0.000 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $683

Thanks for the inquiry! 

 

Next

30 yr fixed Mortgage Loan from Institution for Savings

Institution for Savings

https://www.brimg.net/system/img/inst/7307_logo.gif

300000

Refinance

4.396

4.375

USD

NMLS # 409410
(877) 686-4790

4.396%

8/16/2018

4.375%

at 0.000 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $760

 

 

Next

30 yr fixed Mortgage Loan from Flagstar Bank

Flagstar Bank

https://www.brimg.net/system/img/inst/6546_logo.gif

300000

Refinance

4.659

4.625

USD

NMLS # 417490

4.659%

8/16/2018

4.625%

at 0.000 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $1,193

Thank you for your inquiry! 

 

Next

30 yr fixed Mortgage Loan from CIT Bank

CIT Bank

https://www.brimg.net/system/img/inst/10026_logo.gif

300000

Refinance

4.342

4.275

USD

NMLS # 541760
(877) 341-6056

4.342%

8/16/2018

4.275%

at 0.000 pts
45 day lock rate

Est payment: $1,480.21

Fees in APR: $2,370

Thank you for your inquiry! We look forward to working with you. 

 

Next

30 yr fixed Mortgage Loan from Foxboro Federal Savings

Foxboro Federal Savings

https://www.brimg.net/system/img/inst/2001_logo.gif

300000

Refinance

4.518

4.500

USD

NMLS # 644159

4.518%

8/16/2018

4.500%

at 0.000 pts
45 day lock rate

Est payment: $1,520.06

Fees in APR: $644

Our time on Bankrate is limited; see rates 24/7 on our website. 

 

Next

30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank

ConsumerDirect Mortgage, a division of First Bank

https://www.brimg.net/system/img/inst/8087_logo.gif

300000

Refinance

4.306

4.250

USD

NMLS # 472433

4.306%

8/16/2018

4.250%

at 0.000 pts
30 day lock rate

Est payment: $1,475.82

Fees in APR: $1,995

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

30 yr fixed Mortgage Loan from Capital Bank N.A.

Capital Bank N.A.

https://www.brimg.net/system/img/inst/8589_logo.gif

300000

Refinance

4.398

4.375

USD

4.398%

8/16/2018

4.375%

at 0.000 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $818

 

 

Next

30 yr fixed Mortgage Loan from Northern Bank & Trust Company

Northern Bank & Trust Company

https://www.brimg.net/system/img/inst/10426_logo.gif

300000

Refinance

4.376

4.375

USD

NMLS # 472275

4.376%

8/15/2018

4.375%

at 0.000 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $22

 

 

Next

30 yr fixed Mortgage Loan from HomeDirect Mortgage

HomeDirect Mortgage

https://www.brimg.net/system/img/inst/10447_logo.gif

300000

Refinance

4.500

4.500

USD

NMLS # 403501

4.500%

8/16/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,520.06

Fees in APR: None

 

 

Next

30 yr fixed Mortgage Loan from Metro Credit Union

Metro Credit Union

https://www.brimg.net/system/img/inst/9739_logo.gif

300000

Refinance

4.655

4.625

USD

NMLS # 198524

4.655%

8/16/2018

4.625%

at 0.000 pts
60 day lock rate

Est payment: $1,542.42

Fees in APR: $1,053

TBD 

 

Next

30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank

ConsumerDirect Mortgage, a division of First Bank

https://www.brimg.net/system/img/inst/8087_logo.gif

300000

Refinance

4.246

3.875

USD

NMLS # 472433

4.246%

8/16/2018

3.875%

at 2.000 pts
30 day lock rate

Est payment: $1,410.71

Fees in APR: $7,087

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

30 yr fixed Mortgage Loan from Flagstar Bank

Flagstar Bank

https://www.brimg.net/system/img/inst/6546_logo.gif

300000

Refinance

4.410

4.250

USD

NMLS # 417490

4.410%

8/16/2018

4.250%

at 1.100 pts
30 day lock rate

Est payment: $1,475.82

Fees in APR: $2,325

Thank you for your inquiry! 

 

Next

30 yr fixed Mortgage Loan from Ally Bank

Ally Bank

https://www.brimg.net/system/img/inst/10271_logo.gif

300000

Refinance

4.499

4.375

USD

NMLS # 181005

4.499%

8/16/2018

4.375%

at 1.100 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $1,037

Thanks for the inquiry! 

 

Next

30 yr fixed Mortgage Loan from CIT Bank

CIT Bank

https://www.brimg.net/system/img/inst/10026_logo.gif

300000

Refinance

4.100

3.900

USD

NMLS # 541760
(877) 341-6056

4.100%

8/16/2018

3.900%

at 1.100 pts
45 day lock rate

Est payment: $1,415.00

Fees in APR: $3,845

Thank you for your inquiry! We look forward to working with you. 

 

Next

30 yr fixed mtg refi Mortgage Loan from MutualOne Bank

MutualOne Bank

300000

Refinance

5.027

5.000

USD

MutualOne Bank

5.027%

8/14/2018

5.000%

at 0.000 pts
60 day lock rate

Est payment: $1,610.46

Fees in APR: $907

 

 

30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA

Raymond James Bank, NA

300000

Refinance

4.913

4.875

USD

Raymond James Bank, NA

4.913%

8/14/2018

4.875%

at 0.000 pts
45 day lock rate

Est payment: $1,587.62

Fees in APR: $1,299

 

 

30 yr fixed mtg refi Mortgage Loan from Main Street Bank

Main Street Bank

300000

Refinance

4.815

4.750

USD

Main Street Bank

4.815%

8/14/2018

4.750%

at 0.500 pts
40 day lock rate

Est payment: $1,564.94

Fees in APR: $757

 

 

30 yr fixed mtg refi Mortgage Loan from Hanscom Federal Credit Union

Hanscom Federal Credit Union

300000

Refinance

4.514

4.500

USD

Hanscom Federal Credit Union

4.514%

8/13/2018

4.500%

at 0.000 pts
55 day lock rate

Est payment: $1,520.06

Fees in APR: $496

 

 

30 yr fixed mtg refi Mortgage Loan from Mansfield Co-operative Bank

Mansfield Co-operative Bank

300000

Refinance

4.558

4.500

USD

Mansfield Co-operative Bank

4.558%

8/13/2018

4.500%

at 0.500 pts
45 day lock rate

Est payment: $1,520.06

Fees in APR: $521

 

 

30 yr fixed mtg refi Mortgage Loan from Cambridge Trust Company

Cambridge Trust Company

300000

Refinance

4.642

4.625

USD

Cambridge Trust Company

4.642%

8/10/2018

4.625%

at 0.000 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $592

 

 

30 yr fixed mtg refi Mortgage Loan from Rockland Federal Credit Union

Rockland Federal Credit Union

300000

Refinance

4.634

4.625

USD

Rockland Federal Credit Union

4.634%

8/10/2018

4.625%

at 0.000 pts
60 day lock rate

Est payment: $1,542.42

Fees in APR: $298

 

 

30 yr fixed mtg refi Mortgage Loan from RTN Federal Credit Union

RTN Federal Credit Union

300000

Refinance

4.761

4.750

USD

RTN Federal Credit Union

4.761%

8/14/2018

4.750%

at 0.000 pts
60 day lock rate

Est payment: $1,564.94

Fees in APR: $387

 

 

30 yr fixed mtg refi Mortgage Loan from UniBank for Savings

UniBank for Savings

300000

Refinance

4.911

4.875

USD

UniBank for Savings

4.911%

8/10/2018

4.875%

at 0.250 pts
60 day lock rate

Est payment: $1,587.62

Fees in APR: $500

 

 

30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.

Santander Bank, N.A.

300000

Refinance

4.808

4.750

USD

Santander Bank, N.A.

4.808%

8/16/2018

4.750%

at 0.000 pts
60 day lock rate

Est payment: $1,564.94

Fees in APR: $2,004

 

 

30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA

Citizens Bank, NA

300000

Refinance

4.790

4.750

USD

Citizens Bank, NA

4.790%

8/16/2018

4.750%

at 0.125 pts
60 day lock rate

Est payment: $1,564.94

Fees in APR: $998

 

 

30 yr fixed mtg refi Mortgage Loan from Digital Federal Credit Union

Digital Federal Credit Union

300000

Refinance

4.560

4.500

USD

Digital Federal Credit Union

4.560%

8/16/2018

4.500%

at 0.500 pts
60 day lock rate

Est payment: $1,520.06

Fees in APR: $595

 

 

30 yr fixed mtg refi Mortgage Loan from TD Bank, NA

TD Bank, NA

300000

Refinance

4.529

4.500

USD

TD Bank, NA

4.529%

8/16/2018

4.500%

at 0.000 pts
45 day lock rate

Est payment: $1,520.06

Fees in APR: $1,016

 

 

30 yr fixed mtg refi Mortgage Loan from Fall River Five Cents Savings Bank

Fall River Five Cents Savings Bank

300000

Refinance

4.640

4.625

USD

Fall River Five Cents Savings Bank

4.640%

8/15/2018

4.625%

at 0.000 pts
60 day lock rate

Est payment: $1,542.42

Fees in APR: $525

 

 

30 yr fixed mtg refi Mortgage Loan from Enterprise Bank and Trust Company

Enterprise Bank and Trust Company

300000

Refinance

4.568

4.500

USD

Enterprise Bank and Trust Company

4.568%

8/14/2018

4.500%

at 0.500 pts
60 day lock rate

Est payment: $1,520.06

Fees in APR: $885

 

 

30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank

LincolnWay Community Bank

300000

Refinance

4.656

4.625

USD

LincolnWay Community Bank

4.656%

8/14/2018

4.625%

at 0.000 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $1,085

 

 

30 yr fixed mtg refi Mortgage Loan from United Bank

United Bank

300000

Refinance

4.651

4.625

USD

United Bank

4.651%

8/14/2018

4.625%

at 0.000 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $911

 

 

30 yr fixed mtg refi Mortgage Loan from MountainOne Bank

MountainOne Bank

300000

Refinance

4.680

4.625

USD

MountainOne Bank

4.680%

8/14/2018

4.625%

at 0.500 pts
45 day lock rate

Est payment: $1,542.42

Fees in APR: $397

 

 

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.

Massachusetts 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.

Massachusetts 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 Massachusetts mortgage loans that have been made. As a result, Massachusetts mortgage rates today are lower than jumbo interest rates in Massachusetts. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Massachusetts Super Conforming Home Loan Rates

Super conforming mortgages in Massachusetts 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.

Massachusetts Jumbo Loan Interest Rates

Massachusetts 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 Massachusetts are usually 0.75 basis points higher than conforming mortgage rates in Massachusetts because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Massachusetts Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Massachusetts. 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.

Massachusetts Adjustable Interest Rates

Massachusetts 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.

Massachusetts Interest Only Home Mortgage Rates

Massachusetts 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.

Massachusetts FHA Mortgage Mortgage Rates

Borrowers in Massachusetts must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Massachusetts 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.

Cities in Massachusetts