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Massachusetts Mortgage Rates and Refinance RatesMassachusetts 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.
Lender
APR
Rate
Cost & Fees
Notes
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 NMLS # 541760
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 NMLS # 472433
(877) 591-8350  NMLS # 403501
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 NMLS # 409410
(877) 686-4790
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 NMLS # 644159
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NMLS # 472433
(877) 591-8350
NMLS # 403501
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NMLS # 472433
(877) 591-8350
Thank you for your inquiry, we will be in touch shortly.
NMLS # 541760
Thank you for your inquiry! We look forward to working with you.
Raymond James Bank, NA
5.163%
10/16/2018
5.125%
at 0.000 pts
45 day lock rate Est payment: $1,633.46
Fees in APR: $1,299
Enterprise Bank and Trust Company
4.945%
10/16/2018
4.875%
at 0.500 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $885
Main Street Bank
5.192%
10/16/2018
5.125%
at 0.500 pts
40 day lock rate Est payment: $1,633.46
Fees in APR: $757
RTN Federal Credit Union
5.001%
10/16/2018
4.990%
at 0.000 pts
60 day lock rate Est payment: $1,608.63
Fees in APR: $387
Hanscom Federal Credit Union
4.764%
10/15/2018
4.750%
at 0.000 pts
55 day lock rate Est payment: $1,564.94
Fees in APR: $496
UniBank for Savings
5.287%
10/12/2018
5.250%
at 0.250 pts
60 day lock rate Est payment: $1,656.61
Fees in APR: $500
Mansfield Co-operative Bank
4.934%
10/15/2018
4.875%
at 0.500 pts
45 day lock rate Est payment: $1,587.62
Fees in APR: $521
MountainOne Bank
4.930%
10/16/2018
4.875%
at 0.500 pts
45 day lock rate Est payment: $1,587.62
Fees in APR: $397
MutualOne Bank
5.277%
10/16/2018
5.250%
at 0.000 pts
60 day lock rate Est payment: $1,656.61
Fees in APR: $907
Cambridge Trust Company
5.017%
10/19/2018
5.000%
at 0.000 pts
30 day lock rate Est payment: $1,610.46
Fees in APR: $592
Citizens Bank, NA
5.029%
10/19/2018
5.000%
at 0.000 pts
60 day lock rate Est payment: $1,610.46
Fees in APR: $998
Fall River Five Cents Savings Bank
4.890%
10/19/2018
4.875%
at 0.000 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $525
Rockland Federal Credit Union
4.759%
10/19/2018
4.750%
at 0.000 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $298
Santander Bank, N.A.
5.184%
10/19/2018
5.125%
at 0.000 pts
60 day lock rate Est payment: $1,633.46
Fees in APR: $2,004
Digital Federal Credit Union
4.936%
10/18/2018
4.875%
at 0.500 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $595
United Bank
4.902%
10/16/2018
4.875%
at 0.000 pts
30 day lock rate Est payment: $1,587.62
Fees in APR: $911
TD Bank, NA
4.801%
10/17/2018
4.750%
at 0.250 pts
45 day lock rate Est payment: $1,564.94
Fees in APR: $1,016
Clinton Savings Bank
5.019%
10/18/2018
5.000%
at 0.000 pts
50 day lock rate Est payment: $1,610.46
Fees in APR: $633
LincolnWay Community Bank
4.907%
10/16/2018
4.875%
at 0.000 pts
30 day lock rate Est payment: $1,587.62
Fees in APR: $1,085
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 RatesConforming 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 RatesSuper 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 RatesMassachusetts 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 MortgagesFixed 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 RatesMassachusetts 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 RatesMassachusetts 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 RatesBorrowers 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 MassachusettsAbingtonAccordActonAcushnetAdamsAgawamAllstonAmesburyAmherstAndoverArlingtonArlington HeightsAshburnhamAshbyAshfieldAshlandAshley FallsAssonetAtholAttleboroAttleboro FallsAuburnAuburndaleAvonAyerBabson ParkBaldwinvilleBarnstableBarnstable TownBarreBecketBedfordBelchertownBellinghamBelmontBerkleyBerkshireBerlinBernardstonBeverlyBillericaBlackstoneBlandfordBoltonBondsvilleBostonBoxboroughBoxfordBoylstonBraintreeBrant RockBrewsterBridgewaterBrightonBrimfieldBrocktonBrookfieldBrooklineBrookline VillageBryantvilleBucklandBurlingtonBuzzards BayByfieldCambridgeCantonCarlisleCarverCataumetCentervilleCharlemontCharlestownCharltonCharlton CityCharlton DepotChartleyChathamChelmsfordChelseaCherry ValleyCheshireChesterChesterfieldChestnut HillChicopeeChilmarkClintonCohassetColrainConcordConwayCotuitCummaquidCummingtonCuttyhunkDaltonDanversDartmouthDedhamDeerfieldDennisDennis PortDightonDouglasDoverDracutDruryDudleyDunstableDuxburyEast BridgewaterEast BrookfieldEast DennisEast FalmouthEast FreetownEast LongmeadowEast MansfieldEast OrleansEast OtisEast PrincetonEast SandwichEast TauntonEast TempletonEast WalpoleEast WarehamEasthamEasthamptonEastonEdgartownElmwoodErvingEssexEverettFairhavenFall RiverFalmouthFayvilleFeeding HillsFiskdaleFitchburgFlorenceForestdaleFoxboroFoxboroughFraminghamFranklinGardnerGeorgetownGilbertvilleGlendaleGloucesterGoshenGraftonGranbyGranvilleGreat BarringtonGreen HarborGreenbushGreenfieldGrotonGrovelandHadleyHalifaxHamiltonHampdenHanoverHanscom AFBHansonHardwickHarvardHarwichHarwich PortHatfieldHathorneHaverhillHaydenvilleHeathHinghamHinsdaleHolbrookHoldenHollandHollistonHolyokeHopedaleHopkintonHousatonicHubbardstonHudsonHullHumarockHuntingtonHyannisHyannis PortHyde ParkIndian OrchardIpswichJamaica PlainJeffersonKingstonLake PleasantLakevilleLancasterLanesboroLawrenceLeeLeedsLeicesterLenoxLenox DaleLeominsterLeverettLexingtonLincolnLinwoodLittletonLongmeadowLowellLudlowLunenburgLynnLynnfieldMaldenManchaugManchesterManometMansfieldMarbleheadMarionMarlboroughMarshfieldMarshfield HillsMarstons MillsMashpeeMattapanMattapoisettMaynardMedfieldMedfordMedwayMelroseMendonMenemshaMerrimacMethuenMiddleboroMiddlefieldMiddletonMilfordMill RiverMillburyMillisMillvilleMiltonMilton VillageMinotMonponsettMonroe BridgeMonsonMontagueMontereyMonument BeachNahantNantucketNatickNeedhamNew BedfordNew BraintreeNew SalemNew TownNewburyNewburyportNewtonNewton CenterNewton HighlandsNewton Lower FallsNewton Upper FallsNewtonvilleNonantumNorfolkNorth AdamsNorth AmherstNorth AndoverNorth AttleboroNorth BillericaNorth BrookfieldNorth CarverNorth ChathamNorth ChelmsfordNorth DartmouthNorth DightonNorth EasthamNorth EastonNorth EgremontNorth FalmouthNorth GraftonNorth HatfieldNorth MarshfieldNorth OxfordNorth PembrokeNorth ReadingNorth ScituateNorth TruroNorth UxbridgeNorthamptonNorthboroughNorthbridgeNorthfieldNortonNorwellNorwoodNutting LakeOak BluffsOakhamOcean BluffOnsetOrangeOrleansOstervilleOtisOxfordPalmerPaxtonPeabodyPembrokePepperellPetershamPinehurstPittsfieldPlainfieldPlainvillePlymouthPlymptonPocassetPrides CrossingPrincetonProvincetownQuincyRandolphRaynhamRaynham CenterReadingReadvilleRehobothRevereRichmondRochdaleRochesterRocklandRockportRoslindaleRoweRowleyRoyalstonRussellRutlandSagamoreSagamore BeachSalemSalisburySandisfieldSandwichSaugusSavoyScituateSeekonkSharonShattuckvilleSheffieldShelburne FallsSheldonvilleSherbornShirleyShrewsburyShutesburySiasconsetSilver BeachSomersetSomervilleSouth BarreSouth CarverSouth ChathamSouth DartmouthSouth DeerfieldSouth DennisSouth EastonSouth EgremontSouth GraftonSouth HadleySouth HamiltonSouth HarwichSouth LancasterSouth LeeSouth OrleansSouth WalpoleSouth WellfleetSouth YarmouthSouthamptonSouthboroughSouthbridgeSouthfieldSouthwickSpencerSpringfieldSterlingStill RiverStockbridgeStonehamStoughtonStowSturbridgeSudburySunderlandSuttonSwampscottSwanseaTauntonTempletonTewksburyThorndikeThree RiversTollandTopsfieldTownsendTruroTurners FallsTyngsboroTyringhamUptonUxbridgeVillage Of Nagog WoodsVineyard HavenWabanWakefieldWalesWalpoleWalthamWareWarehamWarrenWarwickWatertownWaverleyWaylandWebsterWellesleyWellesley HillsWellfleetWendellWendell DepotWenhamWest BarnstableWest BoxfordWest BoylstonWest BridgewaterWest BrookfieldWest ChathamWest ChesterfieldWest DennisWest FalmouthWest GrotonWest HarwichWest HatfieldWest HyannisportWest MedfordWest MillburyWest NewburyWest NewtonWest RoxburyWest SpringfieldWest StockbridgeWest TisburyWest TownsendWest WarehamWest WarrenWest YarmouthWestboroughWestfieldWestfordWestminsterWestonWestportWestport PointWestwoodWeymouthWhatelyWheelwrightWhite Horse BeachWhitinsvilleWhitmanWilbrahamWilliamsburgWilliamstownWilmingtonWinchendonWinchendon SpringsWinchesterWindsorWinthropWoburnWoods HoleWoodvilleWorcesterWoronocoWorthingtonWrenthamYarmouth Port |
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