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 yr fixed refi in 02118, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MC1071
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Northpointe Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,962
Thank you for your inquiry! 
 
Home Point Financial Logo
at 0.838 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,378
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 1.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,500
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # ML2925
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MC1071
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
Northpointe Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $337
Thank you for your inquiry! 
 
Home Point Financial Logo
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,856
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MC1071
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Family Federal Savings Logo
NMLS # 452373
at 0.000 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $528
 
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $94
Thank you for your inquiry! 
 
Institution for Savings Logo
NMLS # 409410
(877) 686-4790
at 0.000 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $760
 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $865
 
 
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $2,768
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $812
Thank you for your inquiry! 
 
Main Street Bank
4.282%
12/12/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $757
 
 
United Bank
4.163%
12/12/2017
4.125%
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $911
 
 
RTN Federal Credit Union
4.016%
12/12/2017
4.000%
at 0.000 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $387
 
 
Enterprise Bank and Trust Company
3.953%
12/12/2017
3.875%
at 0.500 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $885
 
 
MutualOne Bank
4.288%
12/12/2017
4.250%
at 0.000 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $907
 
 
Raymond James Bank, NA
4.305%
12/12/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $1,299
 
 
UniBank for Savings
4.292%
12/8/2017
4.250%
at 0.250 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $500
 
 
Mansfield Co-operative Bank
3.938%
12/11/2017
3.875%
at 0.500 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $521
 
 
Hanscom Federal Credit Union
3.770%
12/11/2017
3.750%
at 0.000 pts
55 day lock rate
Est payment: $926.23
Fees in APR: $496
 
 
MountainOne Bank
3.933%
12/12/2017
3.875%
at 0.500 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $397
 
 
LincolnWay Community Bank
3.920%
12/12/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
Santander Bank, N.A.
4.209%
12/15/2017
4.125%
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $2,004
 
 
Greenfield Co-operative Bank
4.017%
12/15/2017
4.000%
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $403
 
 
Cambridge Trust Company
3.899%
12/15/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $592
 
 
Digital Federal Credit Union
3.941%
12/14/2017
3.875%
at 0.500 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $595
 
 
Fall River Five Cents Savings Bank
3.897%
12/13/2017
3.875%
at 0.000 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $525
 
 
Citizens Bank, NA
4.292%
12/13/2017
4.250%
at 0.000 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $998
 
 
Clinton Savings Bank
4.026%
12/13/2017
4.000%
at 0.000 pts
50 day lock rate
Est payment: $954.83
Fees in APR: $633
 
 
TD Bank, NA
4.000%
12/13/2017
3.875%
at 1.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $1,016
 
 
Rockland Federal Credit Union
3.887%
12/15/2017
3.875%
at 0.000 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $298
 
 

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.





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.


Google Map for Massachusetts Rates & Resources


Cities in Massachusetts

Abington

Accord

Acton

Acushnet

Adams

Agawam

Allston

Amesbury

Amherst

Andover

Arlington

Arlington Heights

Ashburnham

Ashby

Ashfield

Ashland

Ashley Falls

Assonet

Athol

Attleboro

Attleboro Falls

Auburn

Auburndale

Avon

Ayer

Babson Park

Baldwinville

Barnstable

Barnstable Town

Barre

Becket

Bedford

Belchertown

Bellingham

Belmont

Berkley

Berkshire

Berlin

Bernardston

Beverly

Billerica

Blackstone

Blandford

Bolton

Bondsville

Boston

Boxborough

Boxford

Boylston

Braintree

Brant Rock

Brewster

Bridgewater

Brighton

Brimfield

Brockton

Brookfield

Brookline

Brookline Village

Bryantville

Buckland

Burlington

Buzzards Bay

Byfield

Cambridge

Canton

Carlisle

Carver

Cataumet

Centerville

Charlemont

Charlestown

Charlton

Charlton City

Charlton Depot

Chartley

Chatham

Chelmsford

Chelsea

Cherry Valley

Cheshire

Chester

Chesterfield

Chestnut Hill

Chicopee

Chilmark

Clinton

Cohasset

Colrain

Concord

Conway

Cotuit

Cummaquid

Cummington

Cuttyhunk

Dalton

Danvers

Dartmouth

Dedham

Deerfield

Dennis

Dennis Port

Dighton

Douglas

Dover

Dracut

Drury

Dudley

Dunstable

Duxbury

East Bridgewater

East Brookfield

East Dennis

East Falmouth

East Freetown

East Longmeadow

East Mansfield

East Orleans

East Otis

East Princeton

East Sandwich

East Taunton

East Templeton

East Walpole

East Wareham

Eastham

Easthampton

Easton

Edgartown

Elmwood

Erving

Essex

Everett

Fairhaven

Fall River

Falmouth

Fayville

Feeding Hills

Fiskdale

Fitchburg

Florence

Forestdale

Foxboro

Foxborough

Framingham

Franklin

Gardner

Georgetown

Gilbertville

Glendale

Gloucester

Goshen

Grafton

Granby

Granville

Great Barrington

Green Harbor

Greenbush

Greenfield

Groton

Groveland

Hadley

Halifax

Hamilton

Hampden

Hanover

Hanscom AFB

Hanson

Hardwick

Harvard

Harwich

Harwich Port

Hatfield

Hathorne

Haverhill

Haydenville

Heath

Hingham

Hinsdale

Holbrook

Holden

Holland

Holliston

Holyoke

Hopedale

Hopkinton

Housatonic

Hubbardston

Hudson

Hull

Humarock

Huntington

Hyannis

Hyannis Port

Hyde Park

Indian Orchard

Ipswich

Jamaica Plain

Jefferson

Kingston

Lake Pleasant

Lakeville

Lancaster

Lanesboro

Lawrence

Lee

Leeds

Leicester

Lenox

Lenox Dale

Leominster

Leverett

Lexington

Lincoln

Linwood

Littleton

Longmeadow

Lowell

Ludlow

Lunenburg

Lynn

Lynnfield

Malden

Manchaug

Manchester

Manomet

Mansfield

Marblehead

Marion

Marlborough

Marshfield

Marshfield Hills

Marstons Mills

Mashpee

Mattapan

Mattapoisett

Maynard

Medfield

Medford

Medway

Melrose

Mendon

Menemsha

Merrimac

Methuen

Middleboro

Middlefield

Middleton

Milford

Mill River

Millbury

Millis

Millville

Milton

Milton Village

Minot

Monponsett

Monroe Bridge

Monson

Montague

Monterey

Monument Beach

Nahant

Nantucket

Natick

Needham

New Bedford

New Braintree

New Salem

New Town

Newbury

Newburyport

Newton

Newton Center

Newton Highlands

Newton Lower Falls

Newton Upper Falls

Newtonville

Nonantum

Norfolk

North Adams

North Amherst

North Andover

North Attleboro

North Billerica

North Brookfield

North Carver

North Chatham

North Chelmsford

North Dartmouth

North Dighton

North Eastham

North Easton

North Egremont

North Falmouth

North Grafton

North Hatfield

North Marshfield

North Oxford

North Pembroke

North Reading

North Scituate

North Truro

North Uxbridge

Northampton

Northborough

Northbridge

Northfield

Norton

Norwell

Norwood

Nutting Lake

Oak Bluffs

Oakham

Ocean Bluff

Onset

Orange

Orleans

Osterville

Otis

Oxford

Palmer

Paxton

Peabody

Pembroke

Pepperell

Petersham

Pinehurst

Pittsfield

Plainfield

Plainville

Plymouth

Plympton

Pocasset

Prides Crossing

Princeton

Provincetown

Quincy

Randolph

Raynham

Raynham Center

Reading

Readville

Rehoboth

Revere

Richmond

Rochdale

Rochester

Rockland

Rockport

Roslindale

Rowe

Rowley

Royalston

Russell

Rutland

Sagamore

Sagamore Beach

Salem

Salisbury

Sandisfield

Sandwich

Saugus

Savoy

Scituate

Seekonk

Sharon

Shattuckville

Sheffield

Shelburne Falls

Sheldonville

Sherborn

Shirley

Shrewsbury

Shutesbury

Siasconset

Silver Beach

Somerset

Somerville

South Barre

South Carver

South Chatham

South Dartmouth

South Deerfield

South Dennis

South Easton

South Egremont

South Grafton

South Hadley

South Hamilton

South Harwich

South Lancaster

South Lee

South Orleans

South Walpole

South Wellfleet

South Yarmouth

Southampton

Southborough

Southbridge

Southfield

Southwick

Spencer

Springfield

Sterling

Still River

Stockbridge

Stoneham

Stoughton

Stow

Sturbridge

Sudbury

Sunderland

Sutton

Swampscott

Swansea

Taunton

Templeton

Tewksbury

Thorndike

Three Rivers

Tolland

Topsfield

Townsend

Truro

Turners Falls

Tyngsboro

Tyringham

Upton

Uxbridge

Village Of Nagog Woods

Vineyard Haven

Waban

Wakefield

Wales

Walpole

Waltham

Ware

Wareham

Warren

Warwick

Watertown

Waverley

Wayland

Webster

Wellesley

Wellesley Hills

Wellfleet

Wendell

Wendell Depot

Wenham

West Barnstable

West Boxford

West Boylston

West Bridgewater

West Brookfield

West Chatham

West Chesterfield

West Dennis

West Falmouth

West Groton

West Harwich

West Hatfield

West Hyannisport

West Medford

West Millbury

West Newbury

West Newton

West Roxbury

West Springfield

West Stockbridge

West Tisbury

West Townsend

West Wareham

West Warren

West Yarmouth

Westborough

Westfield

Westford

Westminster

Weston

Westport

Westport Point

Westwood

Weymouth

Whately

Wheelwright

White Horse Beach

Whitinsville

Whitman

Wilbraham

Williamsburg

Williamstown

Wilmington

Winchendon

Winchendon Springs

Winchester

Windsor

Winthrop

Woburn

Woods Hole

Woodville

Worcester

Woronoco

Worthington

Wrentham

Yarmouth Port