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

 

NMLS # 790396
(877) 591-8350

3.750%

10/17/2017

3.750%

at 0.000 pts
30 day lock rate

Est payment: $926.23

Fees in APR: None

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

 

Next

NMLS # 2925
State Lic # ML2925
(877) 437-3841

3.887%

10/17/2017

3.875%

at 0.000 pts
45 day lock rate

Est payment: $940.47

Fees in APR: $299

 

 

Next

NMLS # 1071
State Lic # MC1071
(877) 210-6855

3.875%

10/17/2017

3.875%

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. 

 

Next

(877) 410-5082

3.875%

10/17/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: None

 

 

Next

NMLS # 1071
State Lic # MC1071
(877) 210-6855

3.645%

10/17/2017

3.500%

at 1.100 pts
30 day lock rate

Est payment: $898.09

Fees in APR: $1,356

Thank you for your inquiry, we will be in touch shortly. 

 

Next

NMLS # 790396
(877) 591-8350

3.817%

10/17/2017

3.490%

at 2.000 pts
30 day lock rate

Est payment: $896.97

Fees in APR: $3,900

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

 

Next

NMLS # 790396
(877) 591-8350

3.744%

10/17/2017

3.625%

at 1.000 pts
30 day lock rate

Est payment: $912.10

Fees in APR: $902

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

 

Next

NMLS # 1071
State Lic # MC1071
(877) 210-6855

3.778%

10/17/2017

3.750%

at 0.100 pts
30 day lock rate

Est payment: $926.23

Fees in APR: $481

Thank you for your inquiry, we will be in touch shortly. 

 

Next

(877) 410-5082

3.883%

10/17/2017

3.750%

at 1.000 pts
30 day lock rate

Est payment: $926.23

Fees in APR: $1,216

 

 

Next

(877) 742-3239

3.750%

10/17/2017

3.750%

at 0.000 pts
30 day lock rate

Est payment: $926.23

Fees in APR: None

 

 

Next

(877) 742-3239

3.662%

10/17/2017

3.625%

at 0.456 pts
30 day lock rate

Est payment: $912.10

Fees in APR: None

 

 

Next

NMLS # 452373

3.897%

10/17/2017

3.875%

at 0.000 pts
60 day lock rate

Est payment: $940.47

Fees in APR: $528

First time buyers get lower rates plus $500 cash back & more 

 

Next

NMLS # 644159

3.777%

10/17/2017

3.750%

at 0.000 pts
45 day lock rate

Est payment: $926.23

Fees in APR: $649

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

 

Next

(877) 441-8944

3.750%

10/17/2017

3.750%

at 0.000 pts
45 day lock rate

Est payment: $926.23

Fees in APR: None

 

 

Next

NMLS # 409410
(877) 686-4790

3.906%

10/17/2017

3.875%

at 0.000 pts
60 day lock rate

Est payment: $940.47

Fees in APR: $760

 

 

Next

NMLS # 1838
State Lic # ML1838
(877) 526-4069

3.750%

10/17/2017

3.750%

at 0.000 pts
30 day lock rate

Est payment: $926.23

Fees in APR: None

Watermark Home Loans is a BBB A+ rated Direct Lender. 

 

Next

NMLS # 424182
(877) 900-8028

3.890%

10/17/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $356

Thank you for your inquiry! 

 

Next

NMLS # 417490
(877) 808-7051

3.906%

10/17/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $744

Thank you for your inquiry! 

 

Next

NMLS # 134407
State Lic # ML134407
(877) 381-2251

3.665%

10/17/2017

3.625%

at 0.000 pts
45 day lock rate

Est payment: $912.10

Fees in APR: $995

The direct lender to call for great rates and superior service. 

 

Next

NMLS # 181005
(877) 738-5335

4.161%

10/17/2017

4.125%

at 0.000 pts
60 day lock rate

Est payment: $969.30

Fees in APR: $870

 

 

Next

NMLS # 1023
State Lic # MC1023
(877) 330-6018

3.875%

10/17/2017

3.875%

at 0.000 pts
45 day lock rate

Est payment: $940.47

Fees in APR: None

 

 

Next

NMLS # 402171

3.903%

10/16/2017

3.875%

at 0.000 pts
45 day lock rate

Est payment: $940.47

Fees in APR: $689

min credit score 740 

 

Next

(877) 441-8944

3.696%

10/17/2017

3.625%

at 0.875 pts
45 day lock rate

Est payment: $912.10

Fees in APR: None

 

 

Next

NMLS # 424182
(877) 900-8028

3.738%

10/17/2017

3.625%

at 0.100 pts
30 day lock rate

Est payment: $912.10

Fees in APR: $2,556

Thank you for your inquiry! 

 

Next

NMLS # 1023
State Lic # MC1023
(877) 330-6018

3.901%

10/17/2017

3.750%

at 1.000 pts
45 day lock rate

Est payment: $926.23

Fees in APR: $1,650

 

 

Next

NMLS # 1023
State Lic # MC1023
(877) 330-6018

3.915%

10/17/2017

3.625%

at 2.000 pts
45 day lock rate

Est payment: $912.10

Fees in APR: $2,971

 

 

Next

Middlesex Savings Bank

3.904%

10/11/2017

3.875%

at 0.000 pts
60 day lock rate

Est payment: $940.47

Fees in APR: $693

 

 

Digital Federal Credit Union

3.941%

10/12/2017

3.875%

at 0.500 pts
60 day lock rate

Est payment: $940.47

Fees in APR: $595

 

 

Cambridge Trust Company

4.025%

10/13/2017

4.000%

at 0.000 pts
30 day lock rate

Est payment: $954.83

Fees in APR: $592

 

 

TD Bank, NA

3.979%

10/11/2017

3.875%

at 0.750 pts
45 day lock rate

Est payment: $940.47

Fees in APR: $1,016

 

 

UniBank for Savings

4.167%

10/13/2017

4.125%

at 0.250 pts
60 day lock rate

Est payment: $969.30

Fees in APR: $500

 

 

Citizens Bank, NA

4.198%

10/11/2017

4.125%

at 0.375 pts
60 day lock rate

Est payment: $969.30

Fees in APR: $998

 

 

Greenfield Co-operative Bank

3.892%

10/13/2017

3.875%

at 0.000 pts
45 day lock rate

Est payment: $940.47

Fees in APR: $403

 

 

IAB Financial Bank

4.285%

10/11/2017

4.250%

at 0.000 pts
30 day lock rate

Est payment: $983.88

Fees in APR: $828

 

 

Fall River Five Cents Savings Bank

4.147%

10/11/2017

4.125%

at 0.000 pts
60 day lock rate

Est payment: $969.30

Fees in APR: $525

 

 

Clinton Savings Bank

4.026%

10/11/2017

4.000%

at 0.000 pts
50 day lock rate

Est payment: $954.83

Fees in APR: $633

 

 

United Bank

4.038%

10/17/2017

4.000%

at 0.000 pts
30 day lock rate

Est payment: $954.83

Fees in APR: $911

 

 

MutualOne Bank

4.163%

10/17/2017

4.125%

at 0.000 pts
60 day lock rate

Est payment: $969.30

Fees in APR: $907

 

 

RTN Federal Credit Union

4.016%

10/17/2017

4.000%

at 0.000 pts
60 day lock rate

Est payment: $954.83

Fees in APR: $387

 

 

MountainOne Bank

3.933%

10/17/2017

3.875%

at 0.500 pts
45 day lock rate

Est payment: $940.47

Fees in APR: $397

 

 

LincolnWay Community Bank

3.920%

10/17/2017

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%

10/17/2017

4.125%

at 0.000 pts
60 day lock rate

Est payment: $969.30

Fees in APR: $2,004

 

 

Main Street Bank

4.282%

10/17/2017

4.250%

at 0.000 pts
45 day lock rate

Est payment: $983.88

Fees in APR: $757

 

 

Mansfield Co-operative Bank

3.938%

10/16/2017

3.875%

at 0.500 pts
45 day lock rate

Est payment: $940.47

Fees in APR: $521

 

 

Hanscom Federal Credit Union

3.770%

10/16/2017

3.750%

at 0.000 pts
55 day lock rate

Est payment: $926.23

Fees in APR: $496

 

 

Raymond James Bank, NA

4.305%

10/17/2017

4.250%

at 0.000 pts
45 day lock rate

Est payment: $983.88

Fees in APR: $1,299

 

 

Rockland Federal Credit Union

3.887%

10/13/2017

3.875%

at 0.000 pts
60 day lock rate

Est payment: $940.47

Fees in APR: $298

 

 

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