Worcester, MA Mortgage Rates and Refinance Rates

Worcester, Massachusetts Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Worcester, MA. Our rate table has a list of Worcester, 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 Worcester, MA you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Worcester, MA 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 Worcester, MA 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
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
200000
Refinance
4.460
4.375
USD
First Internet Bank Logo
NMLS # 424182
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $1,802
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.441
4.375
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC1071
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $1,356
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from e-Lend
e-Lend
https://www.brimg.net/system/img/inst/7076_logo.gif
200000
Refinance
4.532
4.375
USD
e-Lend Logo
NMLS # 2826
State Lic # ML2826
at 1.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $1,650
 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
200000
Refinance
4.583
4.500
USD
Capital Bank N.A. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,734
 
 
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
200000
Refinance
4.377
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $988
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.334
4.250
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC3492
at 0.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,781
 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
200000
Refinance
4.375
4.375
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MC3232
(877) 475-4039
at 0.000 pts
40 day lock rate
Est payment: $998.57
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
200000
Refinance
4.913
4.875
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $1,058.42
Fees in APR: $865
 
 
30 yr fixed Mortgage Loan from BNC National Bank
BNC National Bank
https://www.brimg.net/system/img/inst/7067_logo.gif
200000
Refinance
4.547
4.500
USD
BNC National Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,095
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.625
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC1071
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from e-Lend
e-Lend
https://www.brimg.net/system/img/inst/7076_logo.gif
200000
Refinance
4.500
4.500
USD
e-Lend Logo
NMLS # 2826
State Lic # ML2826
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Citibank, N. A.
Citibank, N. A.
https://www.brimg.net/system/img/inst/8189_logo.gif
200000
Refinance
4.733
4.625
USD
Citibank, N. A. Logo
NMLS # 412915
(877) 693-8156
at 0.000 pts
60 day lock rate
Est payment: $1,028.28
Fees in APR: $2,480
 
 
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
200000
Refinance
4.490
4.490
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,012.18
Fees in APR: None
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
200000
Refinance
4.539
4.500
USD
First Internet Bank Logo
NMLS # 424182
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $911
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
200000
Refinance
4.755
4.750
USD
Capital Bank N.A. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: $117
 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.411
4.375
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC3492
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $847
 
 
30 yr fixed Mortgage Loan from Metro Credit Union
Metro Credit Union
https://www.brimg.net/system/img/inst/9739_logo.gif
200000
Refinance
4.796
4.750
USD
Metro Credit Union Logo
NMLS # 198524
at 0.000 pts
60 day lock rate
Est payment: $1,043.29
Fees in APR: $1,053
TBD 
 
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
200000
Refinance
4.320
4.000
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 2.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $3,514
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.383
4.250
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC1071
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $918
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.263
4.125
USD
AimLoan.com Logo
NMLS # 2890
State Lic # MC3492
at 1.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,079
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
200000
Refinance
4.546
4.500
USD
LincolnWay Community Bank
4.546%
4/17/2018
4.500%
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
200000
Refinance
4.539
4.500
USD
United Bank
4.539%
4/17/2018
4.500%
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $911
 
 
30 yr fixed mtg refi Mortgage Loan from RTN Federal Credit Union
RTN Federal Credit Union
200000
Refinance
4.517
4.500
USD
RTN Federal Credit Union
4.517%
4/17/2018
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,013.37
Fees in APR: $387
 
 
30 yr fixed mtg refi Mortgage Loan from Enterprise Bank and Trust Company
Enterprise Bank and Trust Company
200000
Refinance
4.581
4.500
USD
Enterprise Bank and Trust Company
4.581%
4/17/2018
4.500%
at 0.500 pts
60 day lock rate
Est payment: $1,013.37
Fees in APR: $885
 
 
30 yr fixed mtg refi Mortgage Loan from MutualOne Bank
MutualOne Bank
200000
Refinance
4.915
4.875
USD
MutualOne Bank
4.915%
4/17/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,058.42
Fees in APR: $907
 
 
30 yr fixed mtg refi Mortgage Loan from Mansfield Co-operative Bank
Mansfield Co-operative Bank
200000
Refinance
4.565
4.500
USD
Mansfield Co-operative Bank
4.565%
4/16/2018
4.500%
at 0.500 pts
45 day lock rate
Est payment: $1,013.37
Fees in APR: $521
 
 
30 yr fixed mtg refi Mortgage Loan from Hanscom Federal Credit Union
Hanscom Federal Credit Union
200000
Refinance
4.396
4.375
USD
Hanscom Federal Credit Union
4.396%
4/16/2018
4.375%
at 0.000 pts
55 day lock rate
Est payment: $998.57
Fees in APR: $496
 
 
30 yr fixed mtg refi Mortgage Loan from MountainOne Bank
MountainOne Bank
200000
Refinance
4.434
4.375
USD
MountainOne Bank
4.434%
4/17/2018
4.375%
at 0.500 pts
45 day lock rate
Est payment: $998.57
Fees in APR: $397
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
200000
Refinance
4.806
4.750
USD
Raymond James Bank, NA
4.806%
4/17/2018
4.750%
at 0.000 pts
45 day lock rate
Est payment: $1,043.29
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Digital Federal Credit Union
Digital Federal Credit Union
200000
Refinance
4.694
4.625
USD
Digital Federal Credit Union
4.694%
4/19/2018
4.625%
at 0.500 pts
60 day lock rate
Est payment: $1,028.28
Fees in APR: $595
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
200000
Refinance
4.679
4.625
USD
Citizens Bank, NA
4.679%
4/20/2018
4.625%
at 0.125 pts
60 day lock rate
Est payment: $1,028.28
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from Cambridge Trust Company
Cambridge Trust Company
200000
Refinance
4.650
4.625
USD
Cambridge Trust Company
4.650%
4/20/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $592
 
 
30 yr fixed mtg refi Mortgage Loan from Rockland Federal Credit Union
Rockland Federal Credit Union
200000
Refinance
4.388
4.375
USD
Rockland Federal Credit Union
4.388%
4/20/2018
4.375%
at 0.000 pts
60 day lock rate
Est payment: $998.57
Fees in APR: $298
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
200000
Refinance
4.793
4.750
USD
UniBank for Savings
4.793%
4/20/2018
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,043.29
Fees in APR: $500
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
200000
Refinance
4.837
4.750
USD
Santander Bank, N.A.
4.837%
4/20/2018
4.750%
at 0.000 pts
60 day lock rate
Est payment: $1,043.29
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Clinton Savings Bank
Clinton Savings Bank
200000
Refinance
4.652
4.625
USD
Clinton Savings Bank
4.652%
4/19/2018
4.625%
at 0.000 pts
50 day lock rate
Est payment: $1,028.28
Fees in APR: $633
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
200000
Refinance
4.504
4.375
USD
TD Bank, NA
4.504%
4/19/2018
4.375%
at 1.000 pts
45 day lock rate
Est payment: $998.57
Fees in APR: $1,016
 
 
30 yr fixed mtg refi Mortgage Loan from Main Street Bank
Main Street Bank
200000
Refinance
4.282
4.250
USD
Main Street Bank
4.282%
4/17/2018
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $757
 
 

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.





Worcester, MA 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.

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

Worcester, MA Super Conforming Home Loan Rates

Super conforming mortgages in Worcester, MA 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.

Worcester, MA Jumbo Loan Interest Rates

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

Worcester, MA Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Worcester, MA. 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.

Worcester, MA Adjustable Interest Rates

Worcester, MA 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.

Worcester, MA Interest Only Home Mortgage Rates

Worcester, MA 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.

Worcester, MA FHA Mortgage Mortgage Rates

Borrowers in Worcester, MA must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Worcester, MA 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 Worcester, MA Rates & Resources


Worcester FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Bank of America, National Association

3510 116 Millbury Street, Worcester, MA 01610

Bank of America, National Association

3510 255 Park Avenue, Worcester, MA 01609

Bank of America, National Association

3510 29 West Boylston Street, Worcester, MA 01605

Bank of America, National Association

3510 348 Greenwood Street, Worcester, MA 01607

Bank of America, National Association

3510 365 Main Street, Worcester, MA 01608

Bank of America, National Association

3510 638 Chandler Street, Worcester, MA 01602

Bank of America, National Association

3510 651 Park Avenue, Worcester, MA 01603

Bank of America, National Association

3510 945 Grafton Street, Worcester, MA 01604

Bank of America, National Association

3510 College Of The Holy Cross, Worcester, MA 01610

Bay State Savings Bank

90311 2 Eastern Avenue, Worcester, MA 01608

Bay State Savings Bank

90311 275 Mill Street, Worcester, MA 01602

Bay State Savings Bank

90311 28 Franklin Street, Worcester, MA 01608

Bay State Savings Bank

90311 374-378 Burncoat Street, Worcester, MA 01606

Bay State Savings Bank

90311 799 Grafton Streeet, Worcester, MA 01608

Commerce Bank & Trust Company

17484 11 Park Avenue, Worcester, MA 01605

Commerce Bank & Trust Company

17484 386 Main Street, Worcester, MA 01608

Commerce Bank & Trust Company

17484 404 Main Street, Worcester, MA 01608

Commerce Bank & Trust Company

17484 560 Park Avenue, Worcester, MA 01603

Commerce Bank & Trust Company

17484 993 Grafton Street, Worcester, MA 01604

Fidelity Co-operative Bank

26451 465 Shrewsbury Street, Worcester, MA 01604

RBS Citizens, National Association

57957 50 Cambridge Street, Worcester, MA 01603

RBS Citizens, National Association

57957 541a Lincoln Street, Worcester, MA 01605

RBS Citizens, National Association

57957 940 West Boylston Street, Worcester, MA 01606

RBS Citizens, National Association

57957 949 Grafton Street, Worcester, MA 01604

Southbridge Savings Bank

23524 70 West Boylston Street, Worcester, MA 01606

TD Bank, National Association

18409 1227 Main Street, Worcester, MA 01603

TD Bank, National Association

18409 295 Park Avenue, Worcester, MA 01609

TD Bank, National Association

18409 370 Main Street, Worcester, MA 01608

TD Bank, National Association

18409 430 West Boylston Street, Worcester, MA 01606

TD Bank, National Association

18409 50 Southwest Cutoff, Rt 20, Worcester, MA 01604

TD Bank, National Association

18409 500 Grafton Street, Worcester, MA 01604

Webster Five Cents Savings Bank

90297 200 Commercial Street, Worcester, MA 01608

Webster Five Cents Savings Bank

90297 278 Park Avenue, Worcester, MA 01609

Webster Five Cents Savings Bank

90297 349 Grafton Street, Worcester, MA 01604