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Mortgage Rate Trends
Current APR and Rate Trends since 1991
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Lower Your Interest Rate
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
Why should I lower my rate? |
Save money |
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Lower Payments |
Shorten Your Loan Term
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
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Pay less interest |
Leverage Your Home's Equity
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
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Pay for other debts or emergencies |
Massachusetts Mortgage Rates
Some of the most iconic sports franchises in the world call Boston home, and there is no shortage of people across the Northeast interested in living in Massachusetts.
If you are thinking about relocating to the Bay State, the first step in any home purchase is to check out the local interest rates to help you determine exactly how much house you can afford.
Common Massachusetts Loan Types:
- Massachusetts conventional mortgages: Massachusetts mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to find the option that's right for you.
- Massachusetts FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in Massachusetts on FreeRateUpdate.com today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
- Massachusetts VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Massachusetts through FreeRateUpdate.com. VA loans require no down payment and typically have lower interest rates than conventional mortgages.
Massachusetts Mortgage Rates Compared to National Averages
While interest rates in Massachusetts are usually well below the national average, home prices and the general cost of living tend to be slightly higher than national averages.
This is especially true in the higher-priced cities like Boston, Cambridge, and Norfolk. However, savvy homebuyers can find some great deals in the more reasonable parts of Massachusetts. Areas like New Bedford, Worcester, and Springfield all boast lower than average home prices along with those great Massachusetts interest rates.
