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Current Massachusetts Mortgage Rates & the Surrounding Area
Current rates from First Citizens Federal Credit Union include a 30-Year Fixed at 5.000% (APR 5.083%). Charles River Bank has a 30 Year Fixed available at 5.375%. Current rates from Florence Bank include a Welcome Home - 30-Year Fixed Rate at 5.625% (APR 5.679%). Quincy Credit Union has a 30 Year Fixed available at 5.490%.
Find the best mortgage and refinance rates in Massachusetts today. Our real-time rate table below compares offers from top lenders to help you secure the lowest interest rate for your home loan. Use our free mortgage calculators to plan your purchase.
The following rates for informational purposes only, reflect recent market quotes and representative offers available to Massachusetts borrowers. Actual mortgage rates may vary by lender, credit profile, and market conditions.
Last Updated: February 17, 2026
Current Mortgage Rates in Massachusetts and the surrounding area
•30-Year Fixed:
5.000%
•30 Year Fixed:
5.375%
•Welcome Home - 30-Year Fixed Rate:
5.625%
•30 Year Fixed:
5.490%
•First-Time/Affordable Homebuyer Loan 30 Year Fixed:
5.500%
Rates displayed are for informational purposes only. Actual offers depend on credit score and profile. Verify terms with the lender.
Last Updated: February 17, 2026
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.
Bank or Credit Union
Product
Rate
APR
First Citizens Federal Credit Union1341 Cove Rd, East Wareham, MA 02538
30-Year Fixed
5.000%
5.083%
▼
Interest Rate 5.000%
APR 5.083%
Points 0.000
Last Updated 02/17/2026
Loan Details
Minimum Down Payment: 5%, Estimated Payment Per $1,000: $5.37
Charles River Bank1 Hastings St, Bellingham, MA 01756
30 Year Fixed
5.375%
5.599%
▼
Interest Rate 5.375%
APR 5.599%
Points 0.000
Last Updated 02/17/2026
Loan Details
Florence Bank1 Main St, Amherst, MA 01002
Welcome Home - 30-Year Fixed Rate
5.625%
5.679%
▼
Interest Rate 5.625%
APR 5.679%
Points 0.000
Last Updated 02/17/2026
Loan Details
Quincy Credit Union100 Quincy Ave, Marshfield, MA 02050
30 Year Fixed
5.490%
5.710%
▼
Interest Rate 5.490%
APR 5.710%
Points 0.000
Last Updated 02/17/2026
Loan Details
Institution for Savings112 County Rd, Amesbury, MA 01913
First-Time/Affordable Homebuyer Loan 30 Year Fixed
5.500%
5.758%
▼
Interest Rate 5.500%
APR 5.758%
Points 0.000
Last Updated 02/17/2026
Loan Details
Charles River Bank1 Hastings St, Bellingham, MA 01756
30 Year Fixed
5.625%
5.759%
▼
Interest Rate 5.625%
APR 5.759%
Points 0.000
Last Updated 02/17/2026
Loan Details
Everett Co-operative Bank331 Montvale Ave, Everett, MA 01801
VA 30 Year Fixed
5.625%
5.759%
▼
Interest Rate 5.625%
APR 5.759%
Points 0.000
Last Updated 02/17/2026
Loan Details
Monthly Payments Per $1,000 Borrowed: 360 payments of $5.76
Institution for Savings112 County Rd, Amesbury, MA 01913
First-Time/Affordable Homebuyer Loan 30 Year Fixed
5.750%
5.790%
▼
Interest Rate 5.750%
APR 5.790%
Points 0.000
Last Updated 02/17/2026
Loan Details
Florence Bank1 Main St, Amherst, MA 01002
FTHB - 30-Year Fixed Rate
5.750%
5.805%
▼
Interest Rate 5.750%
APR 5.805%
Points 0.000
Last Updated 02/17/2026
Loan Details
Winter Hill Bank271 Main St, North Reading, MA 01864
ONE Mortgage 30 Year Fixed (Purchases only)
5.750%
5.861%
▼
Interest Rate 5.750%
APR 5.861%
Points 0.000
Last Updated 02/17/2026
Loan Details
1-4 Family Owner Occupied Only; Monthly Payment Per $1,000: $5.84
Quincy Credit Union100 Quincy Ave, Marshfield, MA 02050
30 Year Fixed
5.740%
5.870%
▼
Interest Rate 5.740%
APR 5.870%
Points 0.000
Last Updated 02/17/2026
Loan Details
Sharon And Crescent United Credit Union100 Forbes Blvd, Brockton, MA 02032 1018
Fixed Rate Jumbo First Mortgage 30 Year Fixed
5.875%
5.902%
▼
Interest Rate 5.875%
APR 5.902%
Points 0.000
Last Updated 02/17/2026
Loan Details
Loan Amount $832,751 or greater
Institution for Savings112 County Rd, Amesbury, MA 01913
First-Time/Affordable Homebuyer Loan 30 Year Fixed
5.750%
5.916%
▼
Interest Rate 5.750%
APR 5.916%
Points 0.000
Last Updated 02/17/2026
Loan Details
Charles River Bank1 Hastings St, Bellingham, MA 01756
30 Year Fixed
5.875%
5.917%
▼
Interest Rate 5.875%
APR 5.917%
Points 0.000
Last Updated 02/17/2026
Loan Details
Everett Co-operative Bank331 Montvale Ave, Everett, MA 01801
30 Year Fixed Rate
5.875%
5.920%
▼
Interest Rate 5.875%
APR 5.920%
Points 0.000
Last Updated 02/17/2026
Loan Details
Baxter Credit Union100 Boston Scientific Way, Marlborough, MA 01752
30 Year Fixed
5.750%
5.926%
▼
Interest Rate 5.750%
APR 5.926%
Points 0.000
Last Updated 02/17/2026
Loan Details
Cambridge Savings Bank1 Thompson Sq, Arlington, MA 01730
30 Year Fixed Rate Conforming
5.875%
5.926%
▼
Interest Rate 5.875%
APR 5.926%
Points 0.000
Last Updated 02/17/2026
Loan Details
Sharon And Crescent United Credit Union100 Forbes Blvd, Brockton, MA 02032 1018
30 Year Fixed
5.875%
5.930%
▼
Interest Rate 5.875%
APR 5.930%
Points 0.000
Last Updated 02/17/2026
Loan Details
Wrentham Co-operative Bank1005 South St, Norfolk, MA 02056
30 Year Fixed (Conforming)
5.875%
5.931%
▼
Interest Rate 5.875%
APR 5.931%
Points 0.000
Last Updated 02/17/2026
Loan Details
Wrentham Co-operative Bank1005 South St, Norfolk, MA 02056
30 Year Fixed (Jumbo)
5.875%
5.931%
▼
Interest Rate 5.875%
APR 5.931%
Points 0.000
Last Updated 02/17/2026
Loan Details
Country Bank for Savings1084 Main St, Belchertown, MA 01007
30 Year Fixed Low Down Payment First Time Homebuyer**
5.875%
5.937%
▼
Interest Rate 5.875%
APR 5.937%
Points 0.000
Last Updated 02/17/2026
Loan Details
CAPS: N/A
Canton Co-operative Bank671 Washington St, Canton, MA 02021
30 Year Fixed Rate
5.875%
5.942%
▼
Interest Rate 5.875%
APR 5.942%
Points 0.000
Last Updated 02/17/2026
Loan Details
Greenfield Savings Bank108 N Pleasant St, Amherst, MA 01002
30-Year Fixed for First Time Home Buyers*
5.875%
5.952%
▼
Interest Rate 5.875%
APR 5.952%
Points 0.000
Last Updated 02/17/2026
Loan Details
Purchase Specials: Purchase for 1-4 Family Owner Occupied Properties
Luso Federal Credit Union1 Crane Park Dr Ste 4, Ludlow, MA 01056
TRIM: The Rate Improver Mortgage 30-Year Fixed Rate
5.875%
5.967%
▼
Interest Rate 5.875%
APR 5.967%
Points 0.000
Last Updated 02/17/2026
Loan Details
Greenfield Co-operative Bank144 Main St, Amherst, MA 01002
First Time Home Buyer Co-op 30 Year Fixed Special FTHB Co-op Achieve 30 Yr Fixed
5.875%
5.985%
▼
Interest Rate 5.875%
APR 5.985%
Points 0.000
Last Updated 02/17/2026
Loan Details
Worcester Credit Union1 Officer Manny Familia Way, Worcester, MA 01605
30 Year Fixed
5.890%
6.004%
▼
Interest Rate 5.890%
APR 6.004%
Points 0.000
Last Updated 02/17/2026
Loan Details
NCB North Cambridge Coopertive Bank2360 Massachusetts Ave, Cambridge, MA 02140
30 Year Fixed Rate
6.000%
6.010%
▼
Interest Rate 6.000%
APR 6.010%
Points 0.000
Last Updated 02/17/2026
Loan Details
Winchester Co-operative Bank19 Church St, Winchester, MA 01801
30 Year Fixed Rate First Mortgages
6.000%
6.010%
▼
Interest Rate 6.000%
APR 6.010%
Points 0.000
Last Updated 02/17/2026
Loan Details
Commonwealth Co-operative Bank1172 River St, Boston, MA 02108
30 Year Fixed
5.990%
6.020%
▼
Interest Rate 5.990%
APR 6.020%
Points 0.000
Last Updated 02/17/2026
Loan Details
Based on 20% downpayment and/or 80% LTV, mortgage rates apply to owner occupied single family properties only. Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
Savings Bank Wakefield, MA1105 Summer St, Andover, MA 01810
First Time Homebuyer 30 Year Fixed
5.990%
6.026%
▼
Interest Rate 5.990%
APR 6.026%
Points 0.000
Last Updated 02/17/2026
Loan Details
APR=Annual Percentage Rate effective 2/11/2026. Composite APR includes prepaid finance charges such as, $88.00 Tax Service Fee, $80.00 Hazard Tracking Fee, $14.50 Flood Certificate Fee, and $200.00 Employment/Income Verification Fee. Must have automatic payments from a TSB checking account and direct deposit of payroll income. These amounts do not include real estate taxes and insurance. The actual monthly payment will be higher if an escrow account is established or required. Subject to credit and property approval. Hazard insurance is required. Flood insurance may be required. Property must be 1 to 4 family owner-occupied. No PMI on a loan-to-value of 89% on a 1 and 2 family property with a maximum loan amount of $1,000,000. 3 and 4 family property requires a minimum 80% loan-to-value and a maximum loan amount of $1,000,000. A maximum loan-to-value of 95% WITH PMI on a 1 family property and condominium with a maximum loan amount of $1,000,000. A maximum loan-to-value of 95% WITH PMI on a 2-family property with a maximum loan amount of $1,000,000. Any loan that requires Private Mortgage Insurance (PMI) must meet all guidelines established by the PMI company. Reduced closing costs. All Interest Rates and program guidelines may change without prior notice. Other restrictions may apply. Please contact TSB for details.
Savings Bank Wakefield, MA1105 Summer St, Andover, MA 01810
30-Year Fixed
5.750%
6.030%
▼
Interest Rate 5.750%
APR 6.030%
Points 0.000
Last Updated 02/17/2026
Loan Details
Max. Loan Amount: See note 1
Quincy Credit Union100 Quincy Ave, Marshfield, MA 02050
30 Year Fixed
5.990%
6.030%
▼
Interest Rate 5.990%
APR 6.030%
Points 0.000
Last Updated 02/17/2026
Loan Details
Lowell Five SB1095 Westford St, Billerica, MA 01463
Premier 30 Year Fixed Rate
5.990%
6.032%
▼
Interest Rate 5.990%
APR 6.032%
Points 0.000
Last Updated 02/17/2026
Loan Details
Cambridge Savings Bank1 Thompson Sq, Arlington, MA 01730
30 Year Fixed Rate Jumbo
5.990%
6.035%
▼
Interest Rate 5.990%
APR 6.035%
Points 0.000
Last Updated 02/17/2026
Loan Details
Charles River Bank1 Hastings St, Bellingham, MA 01756
30 Year Fixed - Portfolio
6.000%
6.042%
▼
Interest Rate 6.000%
APR 6.042%
Points 0.000
Last Updated 02/17/2026
Loan Details
St Annes Credit Union130 High St, Dartmouth, MA 02719 3090
30-Year Fixed Rate Mortgage
5.990%
6.043%
▼
Interest Rate 5.990%
APR 6.043%
Points 0.000
Last Updated 02/17/2026
Loan Details
Country Bank for Savings1084 Main St, Belchertown, MA 01007
30 Year Fixed First Time Home Buyer
5.990%
6.052%
▼
Interest Rate 5.990%
APR 6.052%
Points 0.000
Last Updated 02/17/2026
Loan Details
CAPS: N/A
Savings Bank Wakefield, MA1105 Summer St, Andover, MA 01810
30-Year Fixed
5.875%
6.061%
▼
Interest Rate 5.875%
APR 6.061%
Points 0.000
Last Updated 02/17/2026
Loan Details
Max. Loan Amount: See note 1
Greenfield Savings Bank108 N Pleasant St, Amherst, MA 01002
30-Year Fixed Bi-Weekly
6.000%
6.062%
▼
Interest Rate 6.000%
APR 6.062%
Points 0.000
Last Updated 02/17/2026
Loan Details
Institution for Savings112 County Rd, Amesbury, MA 01913
First-Time/Affordable Homebuyer Loan 30 Year Fixed
5.990%
6.064%
▼
Interest Rate 5.990%
APR 6.064%
Points 0.000
Last Updated 02/17/2026
Loan Details
Liberty Bank Middletown, CT94 Shaker Road, East Longmeadow, MA 01028
30 Year Fixed Mortgage
6.000%
6.070%
▼
Interest Rate 6.000%
APR 6.070%
Points 0.000
Last Updated 02/17/2026
Loan Details
Middletown, CT
Florence Bank1 Main St, Amherst, MA 01002
30-Year Fixed-Rate
5.750%
6.075%
▼
Interest Rate 5.750%
APR 6.075%
Points 0.000
Last Updated 02/17/2026
Loan Details
Greenfield Savings Bank108 N Pleasant St, Amherst, MA 01002
30-Year Fixed for Purchases
6.000%
6.078%
▼
Interest Rate 6.000%
APR 6.078%
Points 0.000
Last Updated 02/17/2026
Loan Details
Purchase Specials: Purchase for 1-4 Family Owner Occupied Properties
Savings Bank Wakefield, MA1105 Summer St, Andover, MA 01810
30-Year Fixed
5.990%
6.082%
▼
Interest Rate 5.990%
APR 6.082%
Points 0.000
Last Updated 02/17/2026
Loan Details
Max. Loan Amount: See note 1
Florence Bank1 Main St, Amherst, MA 01002
30-Year Fixed-Rate
5.875%
6.106%
▼
Interest Rate 5.875%
APR 6.106%
Points 0.000
Last Updated 02/17/2026
Loan Details
Align Credit Union110 Newbury St, Amesbury, MA 01701
30 Year Fixed Mortgage
5.875%
6.109%
▼
Interest Rate 5.875%
APR 6.109%
Points 0.000
Last Updated 02/17/2026
Loan Details
Greenfield Co-operative Bank144 Main St, Amherst, MA 01002
First Time Home Buyer Co-op 30 Year Fixed Special FTHB Co-op Attain 30 Yr Fixed
6.000%
6.111%
▼
Interest Rate 6.000%
APR 6.111%
Points 0.000
Last Updated 02/17/2026
Loan Details
Greenfield Co-operative Bank144 Main St, Amherst, MA 01002
Homegrown Heroes 30 Year Fixed
6.000%
6.111%
▼
Interest Rate 6.000%
APR 6.111%
Points 0.000
Last Updated 02/17/2026
Loan Details
Marthas Vineyard Bank11 State Rd, Chilmark, MA 02535
30 Year Fixed Rate
5.875%
6.119%
▼
Interest Rate 5.875%
APR 6.119%
Points 0.000
Last Updated 02/17/2026
Loan Details
Bay State Savings Bank123 Auburn St, Auburn, MA 01501
30 Year Fixed Rate
5.990%
6.119%
▼
Interest Rate 5.990%
APR 6.119%
Points 0.000
Last Updated 02/17/2026
Loan Details
Florence Bank1 Main St, Amherst, MA 01002
30-Year Fixed-Rate
5.990%
6.127%
▼
Interest Rate 5.990%
APR 6.127%
Points 0.000
Last Updated 02/17/2026
Loan Details
Baxter Credit Union100 Boston Scientific Way, Marlborough, MA 01752
Jumbo 30 Year Fixed
6.000%
6.134%
▼
Interest Rate 6.000%
APR 6.134%
Points 0.000
Last Updated 02/17/2026
Loan Details
Bay State Savings Bank123 Auburn St, Auburn, MA 01501
30 Year Fixed Rate - Jumbo MM)
5.990%
6.135%
▼
Interest Rate 5.990%
APR 6.135%
Points 0.000
Last Updated 02/17/2026
Loan Details
$806,500 - $1
Savings Bank Wakefield, MA1105 Summer St, Andover, MA 01810
30-Year Fixed Jumbo
6.125%
6.137%
▼
Interest Rate 6.125%
APR 6.137%
Points 0.000
Last Updated 02/17/2026
Loan Details
Max. Loan Amount: See note 2
USALLIANCE300 Apollo Dr, Chelmsford, MA 01824 3629
Jumbo Loans 30 Year Fixed
6.125%
6.139%
▼
Interest Rate 6.125%
APR 6.139%
Points 0.000
Last Updated 02/17/2026
Loan Details
Greenfield Savings Bank108 N Pleasant St, Amherst, MA 01002
30-Year Fixed
5.875%
6.143%
▼
Interest Rate 5.875%
APR 6.143%
Points 0.000
Last Updated 02/17/2026
Loan Details
Fixed Rate Products for 1-4 Family Owner Occupied Properties
Marthas Vineyard Bank11 State Rd, Chilmark, MA 02535
30 Year Fixed Rate
5.750%
6.146%
▼
Interest Rate 5.750%
APR 6.146%
Points 0.000
Last Updated 02/17/2026
Loan Details
Sharon And Crescent United Credit Union100 Forbes Blvd, Brockton, MA 02032 1018
Fixed Rate Jumbo First Mortgage 30 Year Fixed
6.125%
6.153%
▼
Interest Rate 6.125%
APR 6.153%
Points 0.000
Last Updated 02/17/2026
Loan Details
Loan Amount $832,751 or greater
Bank of Easton12 Robert Dr, North Easton, MA 02356
30 Year Fixed
5.990%
6.164%
▼
Interest Rate 5.990%
APR 6.164%
Points 0.000
Last Updated 02/17/2026
Loan Details
Florence Bank1 Main St, Amherst, MA 01002
Jumbo Fixed Mortgage Loans With 0 Points 30-Year Fixed-Rate
6.125%
6.164%
▼
Interest Rate 6.125%
APR 6.164%
Points 0.000
Last Updated 02/17/2026
Loan Details
Shrewsbury Federal Credit Union489 Boston Tpke, Shrewsbury, MA 01545
30 Year Fixed Rate
6.125%
6.166%
▼
Interest Rate 6.125%
APR 6.166%
Points 0.000
Last Updated 02/17/2026
Loan Details
Direct Federal Credit Union50 Cabot St, Needham, MA 02494
Mortgage Rates Conforming (Up to $832,750) 30-YEAR FIXED
6.125%
6.172%
▼
Interest Rate 6.125%
APR 6.172%
Points 0.000
Last Updated 02/17/2026
Loan Details
Greenfield Savings Bank108 N Pleasant St, Amherst, MA 01002
30-Year Fixed
6.000%
6.174%
▼
Interest Rate 6.000%
APR 6.174%
Points 0.000
Last Updated 02/17/2026
Loan Details
Fixed Rate Products for 1-4 Family Owner Occupied Properties
Sharon And Crescent United Credit Union100 Forbes Blvd, Brockton, MA 02032 1018
30 Year Fixed
6.125%
6.181%
▼
Interest Rate 6.125%
APR 6.181%
Points 0.000
Last Updated 02/17/2026
Loan Details
Hanscom Federal Credit Union1 Courthouse Way, Bedford, MA 01434
30 Year Fixed Rate Primary Residence Home Loan
6.000%
6.184%
▼
Interest Rate 6.000%
APR 6.184%
Points 0.000
Last Updated 02/17/2026
Loan Details
Methuen Co-operative Bank243 Broadway, Methuen, MA 01844
30 Year Mortgage Fixed Rate
6.125%
6.185%
▼
Interest Rate 6.125%
APR 6.185%
Points 0.000
Last Updated 02/17/2026
Loan Details
Brookline Bank10 Langley Rd, Arlington, MA 01730
Jumbo 30-Year Fixed Loans to million
6.125%
6.199%
▼
Interest Rate 6.125%
APR 6.199%
Points 0.000
Last Updated 02/17/2026
Loan Details
$2
USALLIANCE300 Apollo Dr, Chelmsford, MA 01824 3629
30 Year Fixed
6.125%
6.202%
▼
Interest Rate 6.125%
APR 6.202%
Points 0.000
Last Updated 02/17/2026
Loan Details
Greenfield Savings Bank108 N Pleasant St, Amherst, MA 01002
30-Year Fixed
6.125%
6.205%
▼
Interest Rate 6.125%
APR 6.205%
Points 0.000
Last Updated 02/17/2026
Loan Details
Fixed Rate Products for 1-4 Family Owner Occupied Properties
Worcester Credit Union1 Officer Manny Familia Way, Worcester, MA 01605
FHA 30 Year Fixed
5.625%
6.219%
▼
Interest Rate 5.625%
APR 6.219%
Points 0.000
Last Updated 02/17/2026
Loan Details
UMassFive College Federal Credit Union1 Campus Center Way, Amherst, MA 01003
FHA 30 Year Fixed
5.625%
6.219%
▼
Interest Rate 5.625%
APR 6.219%
Points 0.000
Last Updated 02/17/2026
Loan Details
UMassFive College Federal Credit Union1 Campus Center Way, Amherst, MA 01003
New Physician Mortgage - 30 Year Fixed
6.125%
6.220%
▼
Interest Rate 6.125%
APR 6.220%
Points 0.000
Last Updated 02/17/2026
Loan Details
UMassFive College Federal Credit Union1 Campus Center Way, Amherst, MA 01003
30 Year Fixed
6.125%
6.220%
▼
Interest Rate 6.125%
APR 6.220%
Points 0.000
Last Updated 02/17/2026
Loan Details
Brookline Bank10 Langley Rd, Arlington, MA 01730
30-Year Fixed Loans to
6.125%
6.249%
▼
Interest Rate 6.125%
APR 6.249%
Points 0.000
Last Updated 02/17/2026
Loan Details
$750,000
Greenfield Co-operative Bank144 Main St, Amherst, MA 01002
30 Year Fixed Construction Loan
6.125%
6.251%
▼
Interest Rate 6.125%
APR 6.251%
Points 0.000
Last Updated 02/17/2026
Loan Details
Worcester Credit Union1 Officer Manny Familia Way, Worcester, MA 01605
30 Year Fixed - Home Possible
6.125%
6.268%
▼
Interest Rate 6.125%
APR 6.268%
Points 0.000
Last Updated 02/17/2026
Loan Details
Worcester Credit Union1 Officer Manny Familia Way, Worcester, MA 01605
30 Year Fixed - Home Ready
6.125%
6.268%
▼
Interest Rate 6.125%
APR 6.268%
Points 0.000
Last Updated 02/17/2026
Loan Details
UMassFive College Federal Credit Union1 Campus Center Way, Amherst, MA 01003
30 Year Fixed - Home Ready
6.125%
6.268%
▼
Interest Rate 6.125%
APR 6.268%
Points 0.000
Last Updated 02/17/2026
Loan Details
Everett Co-operative Bank331 Montvale Ave, Everett, MA 01801
FHA 30 Year Fixed
5.625%
6.272%
▼
Interest Rate 5.625%
APR 6.272%
Points 0.000
Last Updated 02/17/2026
Loan Details
Monthly Payments Per $1,000 Borrowed: 360 payments of $5.76
Commonwealth Co-operative Bank1172 River St, Boston, MA 02108
30 Year Fixed Jumbo
6.250%
6.290%
▼
Interest Rate 6.250%
APR 6.290%
Points 0.000
Last Updated 02/17/2026
Loan Details
Based on 20% downpayment and/or 80% LTV, mortgage rates apply to owner occupied single family properties only. Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
Liberty Bay Credit Union10 Downer Ave, Braintree, MA 02043
30 Year Fixed
6.250%
6.312%
▼
Interest Rate 6.250%
APR 6.312%
Points 0.000
Last Updated 02/17/2026
Loan Details
USALLIANCE300 Apollo Dr, Chelmsford, MA 01824 3629
30 Year Fixed (HomeReady®)*
6.125%
6.320%
▼
Interest Rate 6.125%
APR 6.320%
Points 0.000
Last Updated 02/17/2026
Loan Details
Sharon And Crescent United Credit Union100 Forbes Blvd, Brockton, MA 02032 1018
The Rate Improver Mortgage 30 Year Fixed
6.250%
6.391%
▼
Interest Rate 6.250%
APR 6.391%
Points 0.000
Last Updated 02/17/2026
Loan Details
Luso Federal Credit Union1 Crane Park Dr Ste 4, Ludlow, MA 01056
TRIM: The Rate Improver Mortgage Jumbo/Non-Conforming 30-Year Fixed Rate
6.375%
6.393%
▼
Interest Rate 6.375%
APR 6.393%
Points 0.000
Last Updated 02/17/2026
Loan Details
ACU Athol Credit Union513 Main St, Athol, MA 01331 1825
30 Year Fixed Rate Purchase & Rehab Loan
6.250%
6.428%
▼
Interest Rate 6.250%
APR 6.428%
Points 0.000
Last Updated 02/17/2026
Loan Details
ACU Athol Credit Union513 Main St, Athol, MA 01331 1825
30 Year Fixed Rate Construction to Permanent
6.250%
6.428%
▼
Interest Rate 6.250%
APR 6.428%
Points 0.000
Last Updated 02/17/2026
Loan Details
ACU Athol Credit Union513 Main St, Athol, MA 01331 1825
30 Year Fixed Rate Mortgages
6.250%
6.428%
▼
Interest Rate 6.250%
APR 6.428%
Points 0.000
Last Updated 02/17/2026
Loan Details
Village Bank Auburndale, MA120 Seminary Ave, Auburndale, MA 01778
30-Year Fixed
6.250%
6.475%
▼
Interest Rate 6.250%
APR 6.475%
Points 0.000
Last Updated 02/17/2026
Loan Details
Tremont Credit Union10 Corinth St, Dorchester, MA 02125
30 Year Fixed Conventional
6.250%
6.491%
▼
Interest Rate 6.250%
APR 6.491%
Points 0.000
Last Updated 02/17/2026
Loan Details
Webster First Federal Credit Union118 W Main St, Auburn, MA 01420 4327
30 Year Fixed Rate Mortgage
6.375%
6.502%
▼
Interest Rate 6.375%
APR 6.502%
Points 0.000
Last Updated 02/17/2026
Loan Details
Liberty Bay Credit Union10 Downer Ave, Braintree, MA 02043
100% LTV 30 Year Fixed
6.375%
6.522%
▼
Interest Rate 6.375%
APR 6.522%
Points 0.000
Last Updated 02/17/2026
Loan Details
First Priority Credit Union Boston, MA100 Swift St, Boston, MA 02128 1864
30 Year Fixed
6.375%
6.540%
▼
Interest Rate 6.375%
APR 6.540%
Points 0.000
Last Updated 02/17/2026
Loan Details
Cost per $1000: $6.24
Florence Bank1 Main St, Amherst, MA 01002
Construction Mortgage Loans With 0 Points 30-Year Fixed-Rate
6.500%
6.716%
▼
Interest Rate 6.500%
APR 6.716%
Points 0.000
Last Updated 02/17/2026
Loan Details
City of Boston Credit Union1010 William T Morrissey Blvd, Boston, MA 02021 2715
30 Year Fixed Rate
6.500%
6.854%
▼
Interest Rate 6.500%
APR 6.854%
Points 0.000
Last Updated 02/17/2026
Loan Details
UMassFive College Federal Credit Union1 Campus Center Way, Amherst, MA 01003
VA 30 Year Fixed
7.000%
7.250%
▼
Interest Rate 7.000%
APR 7.250%
Points 0.000
Last Updated 02/17/2026
Loan Details
Direct Federal Credit Union50 Cabot St, Needham, MA 02494
Mortgage Rates Jumbo ($832,751 to $2 million) 30-YEAR FIXED
Disclaimer: The mortgage rates displayed are for informational purposes only. These estimates are based on specific lending criteria and may differ from the rate you are offered. Your actual rate will depend on your credit history, credit score, loan amount, and down payment. All rates are subject to change without notice. We recommend contacting the specific bank or credit union to confirm their current offers.
Mortgage Loan Options in Massachusetts
Navigating the home loan market in Massachusetts requires a clear understanding of the diverse financing paths available. Whether you are looking for long-term stability or a low down payment, Massachusetts lenders offer several key products tailored to your specific financial profile and homeownership goals.
Common Financing Paths in Massachusetts
Choosing the right mortgage can save you thousands of dollars over the life of your loan. Here are the primary options available to residents in the Massachusetts area:
Massachusetts Fixed-Rate Mortgages: This is the most popular choice for homeowners in Massachusetts seeking predictability. With a fixed rate, your interest remains locked for the entire term (typically 15 or 30 years), ensuring your monthly principal and interest payments never change regardless of market fluctuations.
Massachusetts Adjustable-Rate Mortgages (ARMs): ARMs often start with a lower "teaser" rate for an initial period—such as 5, 7, or 10 years—before adjusting based on current market conditions. This can be a savvy choice for Massachusetts buyers who plan to move or refinance before the first adjustment period begins.
Massachusetts FHA Loans: Insured by the Federal Housing Administration, these loans are a vital resource for borrowers in Massachusetts with lower credit scores or limited savings for a down payment. FHA guidelines typically allow for down payments as low as 3.5%.
Massachusetts VA Loans: Available to veterans, active-duty service members, and eligible surviving spouses, VA loans in Massachusetts offer highly competitive rates and often require no down payment and no monthly private mortgage insurance (PMI).
Use Our Mortgage Calculators to Plan Your Purchase
Before committing to a property in Massachusetts, run the numbers to ensure the mortgage fits your budget. Use our free tools to compare scenarios:
Analyze the APR, not just the RateThe interest rate is the cost of borrowing money, but the APR (Annual Percentage Rate) includes points and fees. The APR gives you a more accurate picture of the true cost of the loan.
Calculate the Impact of PointsDiscount points are fees paid upfront to lower your interest rate. Calculate the "break-even" period (cost of points divided by monthly savings) to see if paying points makes sense for how long you plan to stay in the home.
Compare Loan EstimatesDon't just look at advertised rates. Request official Loan Estimates from at least three different lenders in Massachusetts. These documents standardize costs, making it easier to compare apples to apples.
Check Your Credit ScoreYour credit score significantly impacts the rate you are offered. Ensure your credit report is accurate before applying, as a higher score can save you thousands over the life of the loan.
Frequently Asked Questions for Massachusetts
What are the current mortgage rates in Massachusetts? ▼
Below is a list of current mortgage rates available for Massachusetts. We track lenders daily to provide the most up-to-date interest rates, APRs, and point costs.
Lender / Product
Rate
APR
First Citizens Federal Credit Union
30-Year Fixed
5.000%
5.083%
Charles River Bank
30 Year Fixed
5.375%
5.599%
Florence Bank
Welcome Home - 30-Year Fixed Rate
5.625%
5.679%
Quincy Credit Union
30 Year Fixed
5.490%
5.710%
Institution for Savings
First-Time/Affordable Homebuyer Loan 30 Year Fixed
5.500%
5.758%
Lender / Product
Rate
APR
Charles River Bank
30 Year Fixed
5.625%
5.759%
Everett Co-operative Bank
VA 30 Year Fixed
5.625%
5.759%
Institution for Savings
First-Time/Affordable Homebuyer Loan 30 Year Fixed
5.750%
5.790%
Florence Bank
FTHB - 30-Year Fixed Rate
5.750%
5.805%
Winter Hill Bank
ONE Mortgage 30 Year Fixed (Purchases only)
5.750%
5.861%
Rates displayed are for informational purposes only. Actual offers depend on credit score and profile. Verify terms with the lender.
Last Updated: February 17, 2026
What is a conforming mortgage in Massachusetts? ▼
A conforming mortgage meets the dollar limits set by the Federal Housing Finance Agency (FHFA). These loans can be purchased by Fannie Mae and Freddie Mac, which typically results in lower interest rates compared to jumbo loans.
What is a jumbo loan in Massachusetts? ▼
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the FHFA. Because these loans cannot be sold to Fannie Mae or Freddie Mac, lenders take on more risk, often resulting in slightly higher interest rates or stricter credit requirements.
What are FHA loans? ▼
FHA loans are mortgages insured by the Federal Housing Administration. They are popular among first-time buyers because they allow for lower credit scores and smaller down payments. FHA rates are often competitive because the government guarantee reduces the lender's risk.
What factors affect mortgage rates in Massachusetts? ▼
Mortgage rates in Massachusetts are influenced by national economic trends, the Federal Reserve's monetary policy, and inflation. On a personal level, your credit score, down payment amount, and debt-to-income ratio will significantly impact the rate you are offered.
Is now a good time to refinance in Massachusetts? ▼
Refinancing in Massachusetts can be beneficial if current rates are lower than your existing mortgage rate, or if you want to shorten your loan term. Consider the closing costs and how long you plan to stay in the home to ensure the break-even point makes financial sense.
What is the difference between a fixed-rate and adjustable-rate mortgage? ▼
A fixed-rate mortgage maintains the same interest rate for the entire life of the loan, providing predictable monthly payments. An adjustable-rate mortgage (ARM) has a rate that can change after an initial fixed period, which might result in lower initial payments but carries the risk of rate increases later.
How does my credit score affect my mortgage rate? ▼
Your credit score is a major determinant of your mortgage rate. Borrowers with higher credit scores (typically 760 and above) qualify for the lowest rates, while those with lower scores may pay higher interest rates to offset the lender's risk.
What are mortgage points? ▼
Mortgage points, or discount points, are fees paid directly to the lender at closing in exchange for a reduced interest rate. One point costs 1% of your mortgage amount. Paying points can save you money over the long term if you plan to keep the mortgage for many years.
Are there specific loan programs for first-time buyers in Massachusetts? ▼
Yes, many lenders in Massachusetts offer programs for first-time buyers, including FHA loans which require lower down payments and credit scores. Additionally, there may be state-specific grants or down payment assistance programs available in Massachusetts.
