Nutting Lake, MA Mortgage Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current mortgage rates for Nutting Lake, Massachusetts borrowers from lenders serving Massachusetts today start at 5.625% for a 30 year fixed and 6.00% for a 15 year fixed, compared with Massachusetts averages of 7.098% and 6.756%. Nutting Lake, Massachusetts mortgage rates from lenders serving Massachusetts range from 4.54% to 8.00%, verified by MonitorBankRates as of October 31, 2026. Current 30-year fixed mortgage rates for Nutting Lake, Massachusetts borrowers from lenders serving Massachusetts include Institution for SavingsInstitution for SavingsA+5.0 ★Texas Ratio: 0.22%Rate verified Oct 31, 2026 at 5.625%, Florence BankFlorence BankA+5.0 ★Texas Ratio: 2.70%Rate verified Oct 26, 2026 at 6.00%, First Citizens Federal Credit UnionFirst Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 2.13%Rate verified Oct 29, 2026 at 6.00%, Pittsfield Co-operative BankPittsfield Co-operative BankA+5.0 ★Texas Ratio: 2.25%Rate verified Oct 27, 2026 at 6.125%, and Cape Ann Savings BankCape Ann Savings BankA+5.0 ★Texas Ratio: 2.00%Rate verified Oct 26, 2026 at 6.375%. Mortgage rates as of October 31, 2026 according to verified data from MonitorBankRates.
Nutting Lake borrowers can compare 369 mortgage rates from 76 lenders serving the Massachusetts area, with mortgage rates as low as 5.625% from Institution for Savings. Use the tabs below to compare available loan types. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Massachusetts borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Mortgage Rates Today in Nutting Lake, Massachusetts & the Surrounding Area
Nutting Lake 30 Year Fixed Mortgage Rates
Minimum credit score 680; APR based on $550,000 purchase loan with minimum credit score 680 and maximum LTV 97%; first-time homebuyer program with minimum down payment 3%; income no greater than 120% of AMI; DTI no greater than 40%; Essex County condos or single-family primary residences only
Welcome Home loans are only available for first-time homebuyers; subject property must be an owner-occupied single-family, two-family, or condominium in Chicopee, Holyoke, or Springfield, MA; Lender credit toward closing costs; processing fee waived; PMI waived; discounted interest rate; up to 100% financing; Welcome Home loan APRs assume a $100,000 mortgage; Homeowner's and Flood Insurance (if applicable) required
- Sep 27, 20266.06%▲ from 5.68%
- Sep 15, 20265.68%first recorded
Minimum Down Payment: 5%; Estimated Payment Per $1,000: $6.00; APR based on $180,000 loan with 20% equity; owner occupied 1-4 family, purchase or refinance; Rates Effective 9/17/26
Up to 89% financing with no mortgage insurance required.
Fixed Rate; First-Time Homebuyer Mortgage Program; rates as of 10-21-2026
No additional details available.
Based on 20% downpayment and/or 80% LTV; owner occupied single family only; minimum loan amount $100,000; First Time Buyers receive $300 off closing costs
Fully Indexed Rate: N/A; 3% down payment on owner occupied 1-unit homes, 5% on 2-unit; Condominiums 80% max LTV; PMI required if down payment less than 20%
- Oct 7, 20266.56%▲ from 6.06%
- Sep 15, 20266.06%first recorded
First-Time Homebuyer Program; APR based on $225,000.00 loan amount, 20% equity, owner-occupied 1-4 family homes
APR assumes $100,000 mortgage, 20% down payment
APR assumes $100,000 mortgage, 20% down payment
Sold to Secondary Markets
APR assumes $100,000 mortgage, 20% down payment
Fixed rate mortgage; minimum loan $40,000.00; minimum down payment 5% (own funds)
Effective 10/9/2026
- Oct 14, 20266.68%▲ from 6.43%
- Sep 24, 20266.43%▲ from 6.18%
- Sep 14, 20266.18%first recorded
Purchase; Page states You Don't Have to Pay Points on Your Mortgage
- Oct 31, 20266.69%▼ from 7.19%
- Oct 14, 20267.19%first recorded
Purchase mortgage; no points required
- Oct 31, 20266.69%▼ from 7.19%
- Oct 1, 20267.19%▲ from 6.94%
- Sep 19, 20266.94%first recorded
Purchase and refinance loans; minimum credit score 720; 0-point option of multi-point stack
Interest Rate and APR based on $150,000.00 loan amount; Loan amount and estimated closing cost fees of $1,500; Payments per $1,000: $6.40
No additional details available.
Special Offer; Must have automatic payments from a TSB checking account and direct deposit of payroll income; 11% Down; Monthly Payment per $1,000: $6.49
Rates effective as of 10/26/2026; Disclosure example: at 6.500% interest rate, APR 6.541%; $400,000 loan, $500,000 property, MA, Middlesex County; 60-day rate lock; 720 assumed credit score
- Oct 31, 20266.79%▲ from 6.54%
- Oct 21, 20266.54%▲ from 6.29%
- Oct 3, 20266.29%first recorded
Max. Loan Amount: See note 1
- Oct 7, 20266.79%▲ from 6.54%
- Sep 19, 20266.54%▲ from 6.29%
- Sep 15, 20266.29%first recorded
CAPS: N/A; Lender-paid Private Mortgage Insurance (PMI); Income and Property Location Restrictions Apply
- Oct 27, 20266.82%▲ from 6.56%
- Oct 1, 20266.56%first recorded
Max. Loan Amount: See note 1
As Low As; Fixed Rate; APR based on $125,000 loan, 80% LTV, FICO 740+; Conforming loan limits apply
- Oct 19, 20266.85%▲ from 6.09%
- Oct 14, 20266.09%first recorded
Max. Loan Amount: See note 1
- Oct 7, 20266.85%▲ from 6.54%
- Sep 19, 20266.54%▲ from 6.29%
- Sep 15, 20266.29%first recorded
Savings comparison widget; savings example based on $250,000 loan at 6.875% for 30 years, excellent credit
Effective: 10/29/2026; Payments per $1,000: $6.49; Maximum Loan Amount: $800,000; Property type limited to primary residence only, single-family and warrantable condominium homes
- Oct 30, 20266.88%▼ from 7.00%
- Oct 22, 20267.00%first recorded
No additional details available.
Effective October 28, 2026; Based on 20% down payment; Single family, owner-occupied or second homes
- Oct 31, 20266.92%▲ from 6.80%
- Oct 21, 20266.80%first recorded
CAPS: N/A
- Oct 27, 20266.94%▲ from 6.69%
- Oct 1, 20266.69%first recorded
APR based on $225,000.00 loan amount, 20% equity, owner-occupied 1-4 family homes
Purchase Special; Purchase for 1-4 Family Owner Occupied Properties; Monthly Payments: 360; Offer available to first time home buyers only; Offer good on purchases of owner occupied 1-4 family properties
- Oct 1, 20266.96%▲ from 6.84%
- Sep 27, 20266.84%▲ from 6.71%
- Sep 24, 20266.71%▲ from 6.46%
- Sep 15, 20266.46%first recorded
As Low As; TRIM - The Rate Improver Mortgage; float down once at zero cost during first 5 years of fixed mortgage; APR based on $125,000 loan, 80% LTV, FICO 740+; Max loan $800,000; primary residence only
Interest Rate and APR based on $150,000.00 loan amount; Loan amount and estimated closing cost fees of $1,500; No Fannie Mae LLPAs; Payments per $1,000: $6.57
Minimum down payment 20%; Subject to credit approval
APR assumes $300,000 single-family owner-occupied purchase or refinance, 20% equity, 760 minimum credit score, 40-day closing. For investment properties and 2nd homes, add 0.50% to the Interest Rate.
- Oct 31, 20266.99%▼ from 7.38%
- Oct 7, 20267.38%▲ from 7.12%
- Sep 24, 20267.12%first recorded
Months: 360; Payment per $1,000 not stored; Maximum LTV 97% single-family owner-occupied purchase only; 95% two-family owner-occupied purchase only; Minimum loan $100,000; First Time Home Buyers only; APR based on 20% down payment; PMI required under 20% down
- Oct 1, 20267.00%▲ from 6.87%
- Sep 27, 20266.87%▲ from 6.74%
- Sep 24, 20266.74%first recorded
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
As Low As; Rates may include points.
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
First-Time Homebuyer Programs; 1-4 Family Owner Occupied Only; APR based upon 20% down payment; Property location and income restrictions apply; Up to 97% Financing; Property insurance is required; payments do not include taxes and/or insurance
- Oct 31, 20267.00%▼ from 7.13%
- Oct 11, 20267.13%▲ from 7.00%
- Oct 1, 20267.00%▲ from 6.75%
- Sep 19, 20266.75%▲ from 6.50%
Based on 20% down payment; APR includes flood certification fee, tax service fee and copy of tax return fee
- Oct 26, 20267.01%▼ from 7.26%
- Oct 20, 20267.26%▼ from 7.51%
- Oct 14, 20267.51%▲ from 7.39%
- Sep 27, 20267.39%▲ from 7.01%
Conforming; up to 80% total LTV; Rates effective October 1, 2026; based on $806,500.00 purchase loan, FICO 740, LTV no greater than 75%
No additional details available.
Description: Conforming; # of monthly payments: 360; Effective as of October 30, 2026
Loan product available for loan amounts up to conforming loan limit; Rates assume 20% down payment on owner-occupied single family home; APR assumes $250,000 loan with 20% down and 15 days prepaid interest
- Oct 7, 20267.07%▲ from 6.94%
- Oct 1, 20266.94%▲ from 6.82%
- Sep 19, 20266.82%▲ from 6.56%
- Sep 15, 20266.56%first recorded
Rates effective as of 10/26/2026; Payment per $1,000 not captured
- Oct 30, 20267.07%▲ from 6.94%
- Oct 26, 20266.94%▼ from 7.07%
- Oct 19, 20267.07%▼ from 7.19%
- Oct 10, 20267.19%▼ from 7.32%
Nutting Lake 15 Year Fixed Mortgage Rates
Fixed rate mortgage; minimum loan $40,000.00; minimum down payment 5% (own funds)
Minimum Down Payment: 5%; Estimated Payment Per $1,000: $8.44; APR based on $180,000 loan with 20% equity; owner occupied 1-4 family, purchase or refinance; Rates Effective 9/17/26
No Points; Additional Terms apply
Purchase and refinance loans; minimum credit score 720; 0-point option of multi-point stack
Based on 20% downpayment and/or 80% LTV; owner occupied single family only; minimum loan amount $100,000; Add .25% for loans less than $100,000; First Time Buyers receive $300 off closing costs
Sold to Secondary Markets
No additional details available.
No additional details available.
Mortgage Rates - No Points; Monthly cost
- Oct 19, 20266.30%▲ from 6.16%
- Oct 1, 20266.16%▲ from 6.03%
- Sep 18, 20266.03%first recorded
As Low As; Both traditional and short-term options available. Rates may include points.
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
APR assumes $300,000 single-family owner-occupied purchase or refinance, 20% equity, 760 minimum credit score, 40-day closing. For investment properties and 2nd homes, add 0.50% to the Interest Rate.
- Oct 31, 20266.39%▼ from 6.77%
- Oct 7, 20266.77%▲ from 6.52%
- Sep 24, 20266.52%first recorded
As Low As; Fixed Rate; APR based on $125,000 loan, 80% LTV, FICO 740+; Conforming loan limits apply
- Oct 19, 20266.40%▲ from 5.64%
- Oct 14, 20265.64%first recorded
Max. Loan Amount: See note 1
- Oct 7, 20266.41%▲ from 6.16%
- Sep 19, 20266.16%first recorded
Max. Loan Amount: See note 1
- Oct 7, 20266.43%▲ from 6.18%
- Sep 19, 20266.18%▲ from 5.93%
- Sep 15, 20265.93%first recorded
APR assumes $100,000 mortgage, 20% down payment
APR assumes $100,000 mortgage, 20% down payment
APR based on 80% LTV and $500,000 loan amount; minimum credit score 720; principal and interest only
Owner-occupied residential; APR based on 80% LTV and $500,000 loan amount; credit union membership required; minimum credit score 720; cost per $1000 $8.64
- Oct 2, 20266.53%▲ from 6.27%
- Sep 14, 20266.27%first recorded
Effective October 28, 2026; Based on 20% down payment; Single family, owner-occupied or second homes
- Oct 31, 20266.53%▲ from 6.28%
- Oct 21, 20266.28%first recorded
Conforming; up to 80% total LTV; Rates effective October 1, 2026; based on $806,500.00 purchase loan, FICO 740, LTV no greater than 75%
APR assumes $100,000 mortgage, 20% down payment
APR assumes $300,000 single-family owner-occupied purchase or refinance, 20% equity, 760 minimum credit score, 40-day closing. For investment properties and 2nd homes, add 0.50% to the Interest Rate.
- Oct 31, 20266.61%▼ from 6.86%
- Oct 7, 20266.86%▲ from 6.61%
- Sep 24, 20266.61%first recorded
APR based on $225,000.00 loan amount, 20% equity, owner-occupied 1-4 family homes
As Low As; Welcome Home mortgage promo; APR shown as low as 6.621%
- Oct 15, 20266.62%▲ from 6.50%
- Oct 1, 20266.50%▲ from 6.25%
- Sep 16, 20266.25%first recorded
Minimum down payment 20%; Subject to credit approval
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
Par option (0 points); APR assumes $100,000 mortgage, 20% down payment
- Oct 26, 20266.71%▼ from 6.83%
- Oct 22, 20266.83%first recorded
No additional details available.
- Oct 31, 20266.76%▼ from 6.88%
- Oct 22, 20266.88%first recorded
No additional details available.
No additional details available.
- Oct 1, 20266.77%▲ from 6.64%
- Sep 27, 20266.64%▲ from 6.51%
- Sep 24, 20266.51%▲ from 6.39%
- Sep 15, 20266.39%first recorded
No additional details available.
No additional details available.
- Oct 1, 20266.80%▲ from 6.67%
- Sep 27, 20266.67%▲ from 6.55%
- Sep 24, 20266.55%▲ from 6.42%
- Sep 15, 20266.42%first recorded
Conforming Loans; Loan amounts up to $832,750; Effective: 10/29/2026
- Oct 30, 20266.80%▼ from 6.93%
- Oct 26, 20266.93%▲ from 6.68%
- Oct 19, 20266.68%first recorded
Effective 10/30/2026; Rate assumes purchase of primary residence, single-family property; APR assumes $250,000 loan, 20% down, $1,000 origination fee; advertised rates assume 740 credit score
APR assumes $300,000 single-family owner-occupied purchase or refinance, 20% equity, 760 minimum credit score, 40-day closing. For investment properties and 2nd homes, add 0.50% to the Interest Rate.
- Oct 31, 20266.82%▼ from 7.07%
- Oct 7, 20267.07%▲ from 6.95%
- Sep 24, 20266.95%first recorded
No additional details available.
- Oct 1, 20266.84%▲ from 6.71%
- Sep 27, 20266.71%▲ from 6.58%
- Sep 24, 20266.58%▲ from 6.46%
- Sep 15, 20266.46%first recorded
Under $750,000
- Oct 31, 20266.84%▼ from 6.88%
- Oct 22, 20266.88%first recorded
No additional details available.
Rates effective as of 10/26/2026; Payment per $1,000 not captured
- Oct 30, 20266.86%▲ from 6.73%
- Oct 26, 20266.73%▼ from 6.86%
- Oct 10, 20266.86%▼ from 6.99%
- Oct 1, 20266.99%▲ from 6.86%
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20266.87%▼ from 7.08%
- Oct 22, 20267.08%first recorded
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
Based on 20% down payment; APR includes flood certification fee, tax service fee and copy of tax return fee
- Oct 31, 20266.89%▲ from 6.77%
- Oct 26, 20266.77%▼ from 7.02%
- Oct 20, 20267.02%▼ from 7.27%
- Oct 14, 20267.27%▲ from 7.14%
Par rate (no discount points) from Today's Mortgage Rates table
- Oct 29, 20266.91%▼ from 7.16%
- Oct 9, 20267.16%▼ from 7.29%
- Oct 1, 20267.29%▲ from 7.04%
- Sep 24, 20267.04%▲ from 6.79%
No additional details available.
Monthly payments per $1,000 borrowed: 180 payments of $8.92; Conforming loan $400,000; FICO 780+; 70% LTV or less; 45 day rate lock
- Oct 12, 20266.95%▼ from 7.20%
- Oct 8, 20267.20%▲ from 6.95%
- Oct 1, 20266.95%▲ from 6.58%
- Sep 20, 20266.58%first recorded
Description: Conforming; # of monthly payments: 180; Effective as of October 30, 2026
As Low As; Home Loans
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
Home Equity Programs; 1-4 Family Owner Occupied Only
Down Payment: 5% Minimim%; APR based on loan amount of $300,000.00
Nutting Lake 5/1 ARM Mortgage Rates
Refinance only; first lien; no origination fees or points
Points: No Points; Months: 1 - 60; Fully Indexed Rate: 7.240%; 5/1 ARM with No PMI
With closing costs / 0 points
- Oct 29, 20265.88%▲ from 5.50%
- Sep 21, 20265.50%▲ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available. Rates may include points.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
Initial rate, first 60 months; fixed for first 60 months then adjusts annually; 2/5 caps; APR based on 80% LTV and $500,000 loan amount; maintaining a deposit relationship required
Refinance only; first lien; no origination fees or points
Adjustable rate mortgage; APR shown on homepage
- Oct 19, 20266.25%▲ from 6.00%
- Oct 10, 20266.00%▲ from 5.75%
- Sep 18, 20265.75%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Adjustable Rate Mortgage; APR, interest rate and payment subject to increase after closing based on index changes
Fully Indexed Rate: 7.250%; Initial adjustment period 60 payments; Margin 2.75%; Index 4.49; CAP Structure Initial/Lifetime 2%/6%; 3% down payment on owner occupied 1-unit homes, 5% on 2-unit; PMI required if down payment less than 20%
Loan to Value: <= 75%
Purchase transaction; 80% LTV, 740 credit score, zero points paid, $200,000 loan amount. Initial rate fixed for 5 years, then adjusts every six months.
5/5 ARM; No lender closing costs; Payment per $1,000 borrowed $8.45; APR based on $400,000 loan; Floor rate 2.25%; 2% initial and subsequent adjustment caps; 5% lifetime cap; Max loan $650,000; Owner occupied 1-2 unit only
- Oct 23, 20266.50%▲ from 5.66%
- Oct 5, 20265.66%first recorded
Initial rate period: 5 Years; Initial Rate Period # of Monthly Payments: 60; Initial Rate Period EMP Per $1,000: $6.00; Fully Indexed Rate: 6.750%; Fully Indexed Rate # Monthly Payments: 300; Fully Indexed Rate EMP Per $1,000: $6.49; Effective Date: 10/9/2026; Advertised for non-conforming loans of $350,000
Initial Interest Rate Period: 5 Years; Index: 5 Year Treasury Constant Maturity; Caps 2% and 6%; Floor 2.75%; Maximum 95% LTV for purchases; PMI required over 80% LTV
Maximum Term: 30 Years; Fully Indexed Rate: 7.125%; Monthly Payment per $1,000: $5.60; Fully Indexed Monthly Payment per $1,000: $6.74; Interest rate and APR effective September 17, 2026, subject to increase; assumes $100,000 loan and 20% down; maximum 95% LTV; caps 2% per adjustment and 6% lifetime; margin 2.875%
- Sep 18, 20266.59%▲ from 6.47%
- Sep 14, 20266.47%first recorded
Fully Indexed Rate: 7.250%; Monthly P&I per $1,000 Borrowed: $5.52 (60 payments); Monthly P&I per $1,000 After First Adjustment: $6.66 (300 payments)
First-Time Homebuyer Program; APR based on $225,000.00 loan amount, 20% equity, owner-occupied 1-4 family homes
Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock
- Oct 29, 20266.65%▼ from 6.70%
- Oct 23, 20266.70%first recorded
5/5 ARM; No lender closing costs; Payment per $1,000 borrowed $7.17; APR based on $400,000 loan; Floor rate 2.25%; 2% initial and subsequent adjustment caps; 5% lifetime cap; Max loan $650,000; Owner occupied 1-2 unit only
- Oct 23, 20266.66%▲ from 5.70%
- Oct 5, 20265.70%first recorded
Loan to Value: > 75%
Initial fixed period: 60 Months; Fully indexed rate: 7.250%; Margin: 2.750%; ARM caps 2% per adjustment / 5% lifetime; Rates current as of 10/20/2026
- Oct 1, 20266.73%▲ from 6.56%
- Sep 24, 20266.56%▲ from 6.51%
- Sep 19, 20266.51%▲ from 6.36%
- Sep 15, 20266.36%first recorded
Buy More House With Our 5/1 ARM!; NO POINTS; Additional Terms apply
- Oct 7, 20266.73%▲ from 6.41%
- Sep 19, 20266.41%first recorded
5/5 ARM; No lender closing costs; Payment per $1,000 borrowed $5.97; APR based on $400,000 loan; Floor rate 2.25%; 2% initial and subsequent adjustment caps; 5% lifetime cap; Max loan $650,000; Owner occupied 1-2 unit only
- Oct 23, 20266.75%▲ from 5.74%
- Oct 5, 20265.74%first recorded
APR based on $225,000.00 loan amount, 20% equity, owner-occupied 1-4 family homes
Initial rate; then indexed to weekly U.S. Treasury one-year constant maturity plus 2.75% margin; EMP / $1,000: $5.92; APR based on a $300,000 loan amount; APR may increase after consummation
Minimum Down Payment: 5%; APR may increase after consummation
Rate Caps: 2%/2%/5%; Fully Indexed Rate: 6.980%
- Oct 1, 20266.79%▲ from 6.71%
- Sep 24, 20266.71%▲ from 6.59%
- Sep 22, 20266.59%▲ from 6.49%
- Sep 18, 20266.49%first recorded
Initial Interest Rate Period: 5-years; Fully Indexed Rate: 7.500%; Fully Indexed Rate # Monthly Payments: 300; Minimum down payment 10%; Maximum loan amount $750,000; Not to exceed 80% LTV or PMI
Effective Date: October 15, 2026
- Oct 19, 20266.81%▲ from 6.71%
- Oct 14, 20266.71%first recorded
Current Indexed Rate: 4.95%; Months 1 - 60 payment:; Months 61 - 360 payment:
Initial 5.875% fixed for 60 months, then 7.875% for 300 months; adjusts annually after initial fixed period based on index; initial APRs accurate as of 9/28/2026; based on 20% down payment; max loan amount $3,000,000
- Oct 14, 20266.82%▲ from 6.58%
- Sep 15, 20266.58%first recorded
Monthly Payment per $1000: $5.84; Fully Indexed Monthly Payment per $1000: $9.51; APR estimated on $300,000 loan; best credit score members; single family detached owner-occupied (conforming); 1 Per run cap of 2%, life of loan cap of 6%
Effective October 8, 2026; Payment per $1,000 Borrowed: $5.92; Based on 20% down payment; Purchase of existing single family primary residence; APR may increase after consummation
- Oct 31, 20266.84%▲ from 6.74%
- Oct 11, 20266.74%▲ from 6.25%
- Oct 7, 20266.25%first recorded
Caps 2/2/6; repayment schedule based on 30 years
- Oct 14, 20266.86%▲ from 6.78%
- Oct 1, 20266.78%first recorded
Adjustable rate; initial period Months 1 to 60; Rate and APR are APR-footnote values, rates may increase after consummation
- Oct 26, 20266.87%▲ from 6.53%
- Oct 21, 20266.53%▲ from 6.48%
- Oct 3, 20266.48%▲ from 6.44%
- Sep 27, 20266.44%▲ from 6.39%
No closing costs / no points
- Oct 29, 20266.88%▲ from 6.50%
- Sep 21, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Effective Date: October 15, 2026
- Oct 19, 20266.89%▲ from 6.80%
- Oct 14, 20266.80%first recorded
Adjustable-Rate Mortgages (ARMS); Loan Amount: $750,000 & Over; Rates include autopay discount of 0.25% from a Beacon Bank checking account
Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock
- Oct 29, 20266.92%▼ from 7.05%
- Oct 23, 20267.05%▲ from 6.92%
- Sep 24, 20266.92%▲ from 6.77%
- Sep 18, 20266.77%first recorded
Home Loan Rates; Effective Date: October 22nd, 2026; APRs based on $225,000 purchase loan with 20% down; advertised on owner occupied and second/vacation homes with LTV 75% or less; ARM rates may increase during loan term
- Oct 1, 20266.93%▲ from 6.85%
- Sep 27, 20266.85%▲ from 6.78%
- Sep 24, 20266.78%▲ from 6.51%
- Sep 15, 20266.51%first recorded
Description: Conforming; Fully Indexed Rate: 6.625%; Effective as of October 30, 2026
As Low As; w/ 1.000 Points; Payment: 1,419.69
- Oct 30, 20266.94%▼ from 6.98%
- Oct 19, 20266.98%first recorded
Initial Rate Period: 15 Years; Initial Rate Period # Monthly Payments: 180; Initial Rate Period EMP per $1000: $6.57; Fully Indexed Rate: 6.875%; Fully Indexed Rate # Monthly Payments: 180; Fully Indexed Rate EMP per $1000: $6.57; Closing Fees: Yes; Conforming loans, 1-4 family owner occupied; 30-year term/amortization; example loan $450,000
Adjustable Rate Mortgages; Caps: 1/1/5; Fully Indexed Rate: 7.500%
Caps: 1/1/5; Fully Indexed Rate: 7.500%; 1% rate cap per adjustment; 5% lifetime rate cap
Adjustable-Rate Mortgages (ARMS); Loan Amount: Under $750,000; Rates include autopay discount of 0.25% from a Beacon Bank checking account
1-4 Family Owner Occupied Only; Year 1-5, rate 6.000%, 60 payments; Year 6-30, rate 7.250%, 300 payments; APR based upon 20% down payment and a loan term of 30 years
- Oct 31, 20266.99%▲ from 6.88%
- Oct 7, 20266.88%first recorded
First 5 Years fixed; rate may adjust every year; owner-occupied primary residence, $15,000 - $1,000,000, up to 75% LTV; lifetime rate cap 6.00% above intro rate; rate current as of 10/29/2026 with FICO 740; 0.25% auto-pay discount applies
- Oct 31, 20266.99%▲ from 6.45%
- Oct 3, 20266.45%▲ from 6.20%
- Sep 15, 20266.20%first recorded
Type: 5/1/30; NY Only; APR* as low as (0 pts.)
- Oct 23, 20267.00%▼ from 7.13%
- Oct 12, 20267.13%first recorded
No additional details available.
Nutting Lake 30-Year Jumbo Mortgage Rates
Jumbo Adjustable-Rate Mortgage; initial fixed period 10 years, then adjusts every 6 months; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
- Oct 31, 20266.31%▼ from 6.47%
- Oct 22, 20266.47%first recorded
Jumbo Adjustable-Rate Mortgage; initial fixed period 7 years, then adjusts every 6 months; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
- Oct 31, 20266.32%▼ from 6.44%
- Oct 22, 20266.44%first recorded
Jumbo Fixed-Rate Mortgage; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.51%▼ from 6.64%
- Oct 19, 20266.64%▲ from 6.26%
- Sep 22, 20266.26%first recorded
Description: Jumbo; Fully Indexed Rate: 6.625%; Effective as of October 30, 2026
- Oct 31, 20266.54%▼ from 6.61%
- Oct 20, 20266.61%first recorded
Description: Jumbo; # of monthly payments: 120; Effective as of October 30, 2026
Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $11.42
Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance
Owner-Occupied Jumbo up to $2 Million; Initial Rate Period # Monthly Payments: 84; Initial Rate Period EMP per $1000: $6.24; Fully Indexed Rate: 6.875% (276 monthly payments, EMP $6.57); Closing Fees: Yes
Jumbo loan (greater than $832,751.00); APR assumes 20% down payment; Maximum loan amount $832,750.00; Schedule an Appointment
Loan amounts greater than $832,750; Rates as of 10/15/2026
Jumbo loan (greater than $832,751.00); APR assumes 20% down payment; Maximum loan amount $832,750.00; Schedule an Appointment
Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index
Owner-Occupied Jumbo up to $2 Million; Initial Rate Period # Monthly Payments: 120; Initial Rate Period EMP per $1000: $6.40; Fully Indexed Rate: 6.875% (240 monthly payments, EMP $6.57); Closing Fees: Yes
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.76%▼ from 7.01%
- Oct 19, 20267.01%▲ from 6.76%
- Sep 22, 20266.76%first recorded
Caps 2/2/6; repayment schedule based on 30 years
- Oct 14, 20266.76%▲ from 6.68%
- Oct 1, 20266.68%first recorded
No additional details available.
- Oct 30, 20266.78%▲ from 6.71%
- Oct 26, 20266.71%first recorded
Based on 20% downpayment and/or 80% LTV; owner occupied single family only; minimum loan amount $100,000; First Time Buyers receive $300 off closing costs
No additional details available.
- Oct 9, 20266.79%▲ from 6.67%
- Sep 24, 20266.67%▲ from 6.42%
- Sep 14, 20266.42%first recorded
No additional details available.
No additional details available.
- Oct 30, 20266.82%▲ from 6.74%
- Oct 26, 20266.74%first recorded
Initial rate 6.500% for 84 monthly payments, then 7.250% for 275 monthly payments, and 7.250% for 1 payment; P&I per $1,000 Borrowed: $6.33, $6.74, $6.74; rate shown is the autopay rate, non-autopay rates are .25% higher; first-time homebuyer and purchase rates with 20% down; ARMs are variable rate and may increase after closing
Refinance only; first lien; no origination fees or points
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.89%▼ from 7.14%
- Oct 19, 20267.14%▲ from 6.89%
- Sep 22, 20266.89%first recorded
Max. Loan Amount: See note 2; Jumbo loan $1,000,001+, property in TSB CRA area, minimum FICO 700
- Oct 7, 20266.89%▲ from 6.64%
- Sep 19, 20266.64%▲ from 6.39%
- Sep 15, 20266.39%first recorded
No additional details available.
- Oct 9, 20266.89%▲ from 6.77%
- Sep 24, 20266.77%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index
Description: Jumbo; Fully Indexed Rate: 6.625%; Effective as of October 30, 2026
- Oct 31, 20266.93%▼ from 7.01%
- Oct 20, 20267.01%first recorded
Loan amounts greater than $832,750; Rates as of 10/15/2026
- Oct 26, 20266.94%▼ from 6.98%
- Oct 13, 20266.98%first recorded
Fixed for 120 monthly payments; Fully Indexed Rate: 7.250%
Term: 120 fixed monthly payments; Fully Indexed Rate: 7.250%; # of Monthly Payments: 360; Payment per $1,000 (fixed period): $6.24; Apply Now
Term: 7/1 Adjustable CAP 2/4; Index 1 YR Treasury + 3.00% Margin (Jumbo); Jumbo Non-Conforming Rate Owner-Occupied; 0 Points
No additional details available.
- Oct 9, 20266.99%▲ from 6.86%
- Sep 24, 20266.86%▲ from 6.61%
- Sep 14, 20266.61%first recorded
Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $7.75
Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance
First time homebuyer special rate with $550 discount on closing costs; Rates listed are with a 20% down payment; loans with less than 20% down may require PMI and rate is increased by .50%
Autopay rate; non-autopay rates are .25% higher; rates based on 20% down payment; Payment Schedule: 240 monthly payments
EMP / $1,000: $6.65; APR based on a $850,000 loan amount
- Oct 21, 20267.03%▲ from 6.78%
- Oct 7, 20266.78%▲ from 6.65%
- Sep 24, 20266.65%first recorded
Term: 10/1 Years (30 Years); Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index
Description: Jumbo; # of monthly payments: 240; Effective as of October 30, 2026
1-4 Family Owner Occupied Only
Adjustable Rate Mortgage; Rate schedule: 5.750% for 12 monthly payments, then 7.250% for 347 monthly payments, and 7.250% for 1 monthly payment; P&I per $1,000 Borrowed: $5.84, $6.80, $6.80; Payment schedule: 12 / 347 / 1 monthly payments (360 total); Rates are with a 20% down payment; loans with less than 20% down may require PMI and rate is increased by .50%
Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $6.74
Jumbo loan APR based on $832,751.00 loan amount; Loan amount and estimated closing cost fees of $1,500; Payments per $1,000: $6.74
Jumbo Fixed-Rate Mortgage Loan (Max $1,000,000); Rates Effective 10/29/2026; 75% LTV; minimum credit score 680; max loan amount $1,000,000
- Oct 30, 20267.15%▼ from 7.28%
- Oct 22, 20267.28%first recorded
Loan amounts greater than $832,750; Rates as of 10/15/2026
Owner Occupied Single Family Primary Residences only; jumbo loan above conforming limit; APR based on $900,000 loan with $4,000 closing costs, Worcester County, 60-day rate lock; APRs effective as of October 27, 2026
- Oct 27, 20267.17%▼ from 7.30%
- Oct 22, 20267.30%▲ from 7.04%
- Oct 14, 20267.04%first recorded
Description: Jumbo; # of monthly payments: 360; Effective as of October 30, 2026
Fully indexed rate (margin plus index); caps 2/2/6; repayment schedule based on 30 years
Jumbo loan rates apply for loans between $806,501 and $1,500,000; rate includes 0.125% discount for automatic recurring payments from a HIFS checking account; rates current as of 26th October 2026
Nutting Lake 15-Year Jumbo Mortgage Rates
Jumbo Fixed-Rate Mortgage; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
Based on 20% downpayment and/or 80% LTV; owner occupied single family only; minimum loan amount $100,000; First Time Buyers receive $300 off closing costs
EMP / $1,000: $8.64; APR based on a $850,000 loan amount
- Oct 21, 20266.42%▲ from 6.17%
- Oct 7, 20266.17%▲ from 6.05%
- Sep 24, 20266.05%first recorded
Jumbo loan (greater than $832,751.00); APR assumes 20% down payment; Maximum loan amount $832,750.00; Schedule an Appointment
Fixed Rate Mortgage; 180 monthly payments; P&I per $1,000 Borrowed $8.72; Autopay rate (non-autopay rates are .25% higher)
Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $8.78
Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance
Jumbo Fixed-Rate Mortgage Loan (Max $1,000,000); Rates Effective 10/29/2026; 75% LTV; minimum credit score 680; max loan amount $1,000,000
- Oct 30, 20266.67%▼ from 6.79%
- Oct 22, 20266.79%first recorded
Description: Jumbo; # of monthly payments: 180; Effective as of October 30, 2026
No additional details available.
Jumbo loan rates apply for loans between $806,501 and $1,500,000; rate includes 0.125% discount for automatic recurring payments from a HIFS checking account; rates current as of 26th October 2026
No additional details available.
Loan amounts greater than $832,750; Rates as of 10/15/2026
No additional details available.
No additional details available.
- Oct 9, 20267.03%▲ from 6.91%
- Sep 24, 20266.91%▲ from 6.66%
- Sep 14, 20266.66%first recorded
No additional details available.
- Oct 9, 20267.07%▲ from 6.94%
- Sep 24, 20266.94%▲ from 6.69%
- Sep 14, 20266.69%first recorded
No additional details available.
- Oct 9, 20267.10%▲ from 6.97%
- Sep 24, 20266.97%▲ from 6.72%
- Sep 14, 20266.72%first recorded
Nutting Lake 5/1 Jumbo ARM Mortgage Rates
Jumbo Adjustable-Rate Mortgage; initial fixed period 5 years, then adjusts every 6 months; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
- Oct 31, 20266.34%▼ from 6.44%
- Oct 22, 20266.44%first recorded
Description: Jumbo; Fully Indexed Rate: 6.625%; Effective as of October 30, 2026
- Oct 31, 20266.52%▼ from 6.57%
- Oct 20, 20266.57%first recorded
No additional details available.
- Oct 30, 20266.76%▲ from 6.71%
- Oct 26, 20266.71%first recorded
Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index
Caps 2/2/6; repayment schedule based on 30 years
- Oct 14, 20266.83%▲ from 6.76%
- Oct 1, 20266.76%first recorded
Initial rate 6.250% for 60 monthly payments, then 7.250% for 299 monthly payments, and 7.250% for 1 payment (360 total); P&I per $1,000 Borrowed: $6.16, then $6.75, and $6.75; Rates shown reflect the autopay option; Rates listed with 20% down payment
Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index
Owner-Occupied Jumbo up to $2 Million; Initial Rate Period # Monthly Payments: 180; Initial Rate Period EMP per $1000: $6.57; Fully Indexed Rate: 6.875% (180 monthly payments, EMP $6.57); Closing Fees: Yes
No additional details available.
- Oct 30, 20267.03%▼ from 7.05%
- Oct 26, 20267.05%first recorded
Loan amounts greater than $832,750; Rates as of 10/15/2026
- Oct 30, 20267.11%▼ from 7.14%
- Oct 26, 20267.14%▼ from 7.24%
- Oct 13, 20267.24%first recorded
Fully indexed rate (margin plus index); caps 2/2/6; repayment schedule based on 30 years
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%; Owner Occupied Max Loan $832,750.00; APR based on $832,751.00 loan amount
- Sep 24, 20267.25%▲ from 6.89%
- Sep 14, 20266.89%first recorded
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%; Owner Occupied/Max Loan $832,750.00
- Sep 24, 20267.33%▲ from 6.95%
- Sep 14, 20266.95%first recorded
Term: 60 fixed monthly payments; Fully Indexed Rate: 7.250%; # of Monthly Payments: 360; Payment per $1,000 (fixed period): $5.92; Apply Now
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%; Owner Occupied/Max Loan $832,750.00
- Sep 24, 20267.42%▲ from 7.03%
- Sep 14, 20267.03%first recorded
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%; Owner Occupied/Max Loan $832,750.00
- Sep 24, 20267.52%▲ from 7.12%
- Sep 14, 20267.12%first recorded
Jumbo Rate Loans - loans greater than $1,000,000; 20% Down; Caps: 2/6; Margin: 3.50%; Fixed period: Yrs 1-5
- Oct 31, 20267.72%▼ from 7.78%
- Oct 20, 20267.78%first recorded
Jumbo loans greater than $1,000,000; Caps: 2/6; Margin: 3.50%
- Oct 31, 20267.81%▼ from 7.88%
- Oct 20, 20267.88%first recorded
Nutting Lake FHA Loan Rates
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock
Par rate (no discount points) from Today's Mortgage Rates table
- Oct 26, 20267.67%▼ from 7.93%
- Oct 9, 20267.93%▼ from 8.18%
- Oct 1, 20268.18%▲ from 7.67%
- Sep 24, 20267.67%▲ from 7.55%
Conv: N; Down Payment: 3.5% Minimum%; APR based on loan amount of $300,000.00
Nutting Lake VA Loan Rates
Variable; TD Mortgage Prime Rate 4.85% -0.31%; Posted Rate: TD Mortgage Prime Rate (struck through)
- Oct 31, 20264.56%▲ from 4.31%
- Oct 26, 20264.31%first recorded
As Low As; Type: 3 year/1 year variable rate
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Conv: N; Down Payment: 0 Minimum%; APR based on loan amount of $300,000.00
Rates effective as of 10/28/2026, 11:07:31 AM (ET); based on a 45 day lock
- Oct 29, 20268.39%▼ from 8.43%
- Sep 29, 20268.43%▲ from 7.72%
- Sep 14, 20267.72%first recorded
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Nutting Lake, MA Mortgage Rate Trends
Compare local Nutting Lake, MA mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Massachusetts 30-year fixed rates fell 0.004 points over the past 7 days to 7.098%.
Massachusetts 15-year fixed rates rose 0.001 points over the past 7 days to 6.756%.
Massachusetts Mortgage Rate Forecast, Next 12 Months
Where are Massachusetts mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Nutting Lake, MA Home Buyers
Monthly principal & interest payment on Nutting Lake, MA median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (MA avg) | 7.098% | $1,631 | 18.8% | |
| 6-Month Forecast | 7.098% (6.75, 7.40%) | $1,631 | +$0/mo | 18.8% |
| 12-Month Forecast | 7.348% (7.00, 7.65%) | $1,672 | +$41/mo | 19.3% |
Income column = annual mortgage payment as % of Nutting Lake, MA median household income ($103,960). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Nutting Lake, Massachusetts , computed from local Census Bureau data combined with current Massachusetts mortgage rates. Based on Massachusetts statewide data for this location.
What This Score Means for Nutting Lake, Massachusetts Home Buyers
With a score of 82.0, Nutting Lake, Massachusetts is 15.4 points less affordable than the national average of 97.4. The area’s median home value of $562,100 against a median household income of $103,960 produces a price-to-income ratio of 5.4x , modestly above the national norm. At the current Massachusetts mortgage rate of 7.098%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $3,021 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $2,125, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $507/month ($6,085/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from Massachusetts statewide U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Massachusetts live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Nutting Lake, Massachusetts
Nutting Lake, Massachusetts Housing Market Overview
City-level home value data is not available for Nutting Lake ; figures below reflect Massachusetts statewide data.
The Massachusetts statewide median owner-occupied home value is approximately $562,100, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Nutting Lake, Massachusetts Homeownership Rate
The homeownership rate in Nutting Lake, Massachusetts stands at 62.3%, near the national average of 65.7%. The homeowner vacancy rate of 0.7% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for Nutting Lake, Massachusetts Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.598% | 30-year fixed | $2,554 | $519,478 |
| 7.098% Current Avg | 30-year fixed | $2,688 | $567,532 |
| 7.598% | 30-year fixed | $2,824 | $616,550 |
| 6.756% | 15-year fixed | $3,541 | $237,374 |
A 0.500% rate increase on a $400,000 loan adds roughly $136 per month and over $49,018 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Nutting Lake, Massachusetts buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Nutting Lake, Massachusetts Income & Housing Affordability
City-level Census data is not available for Nutting Lake ; figures below reflect Massachusetts statewide data.
At a price-to-income ratio of 5.4x, Massachusetts is a moderately expensive housing market. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Massachusetts Buyers
With a median household income of $103,960 per year in Massachusetts statewide ($8,663/month) and a median home value of approximately $562,100, a buyer financing at 80% LTV at the current average rate would commit roughly 31% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Nutting Lake, Massachusetts
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Nutting Lake, Massachusetts. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Nutting Lake, Massachusetts, the median homeowner with a mortgage pays approximately $2,125/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,762/month including utilities. The $363/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $507/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Nutting Lake, Massachusetts, 30% of homeowners with mortgages are cost burdened and 49.4% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 30% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Nutting Lake, Massachusetts Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Nutting Lake, Massachusetts rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Nutting Lake, Massachusetts Home Loan
Rates are only part of the equation. Use these calculators to translate current Nutting Lake, Massachusetts mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Nutting Lake, Massachusetts rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Nutting Lake, Massachusetts.
CalculateTypes of Mortgages Available in Nutting Lake, Massachusetts
Not every loan program is right for every buyer in Nutting Lake, Massachusetts. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Nutting Lake, Massachusetts rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Nutting Lake, Massachusetts, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Nutting Lake, Massachusetts, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Nutting Lake, Massachusetts is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Nutting Lake, Massachusetts mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Nutting Lake, Massachusetts directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Nutting Lake, Massachusetts. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in MA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Mortgage Product Information
How a Mortgage Works
A mortgage is a loan used to buy a home in Nutting Lake, Massachusetts, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed vs. Adjustable Rate Mortgages
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Nutting Lake, Massachusetts homeowner’s principal-and-interest payment never changes. For example, Institution for Savings is listing a First-Time/Affordable Homebuyer Loan - 30 Year Fixed at 5.625%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Nutting Lake, Massachusetts borrowers who expect to move or refinance before that point. On the adjustable-rate side, Sharon And Crescent United Credit Union is listing a On The House Refinance - 5/5 ARM at 5.50%.
How Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Massachusetts borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs
The interest rate is not the only cost of buying a home in Nutting Lake, Massachusetts. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Nutting Lake, Massachusetts shoppers account for these costs when weighing lenders.
When to Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Nutting Lake, Massachusetts homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Nutting Lake, Massachusetts refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Nutting Lake, Massachusetts
What are mortgage rates in Nutting Lake, Massachusetts today?
What are home loan rates in Nutting Lake, MA today?
How does my credit score affect my rate in Nutting Lake, Massachusetts?
What is a 30-Year Fixed Mortgage?
What are closing costs in Nutting Lake, Massachusetts?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Nutting Lake, Massachusetts?
Do I need 20% down to buy a house in Nutting Lake, Massachusetts?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Nutting Lake, Massachusetts?
How do I get mortgage quotes in Nutting Lake, Massachusetts?
What is the homeownership rate in Nutting Lake, Massachusetts?
What is the conforming loan limit in Nutting Lake, Massachusetts?
What is the median monthly cost of homeownership in Nutting Lake, Massachusetts?
What are the median property taxes in Nutting Lake, Massachusetts?
What is the median rent in Nutting Lake, Massachusetts?
What percentage of homeowners are cost burdened in Nutting Lake, Massachusetts?
What percentage of renters are cost burdened in Nutting Lake, Massachusetts?
What are the best Mortgage rates in Nutting Lake, Massachusetts?
- Institution for Savings: 5.625% (First-Time/Affordable Homebuyer Loan - 30 Year Fixed)
- Florence Bank: 6.00% (Welcome Home - 30-Year Fixed Rate)
- First Citizens Federal Credit Union: 6.00% (Conforming Fixed - 30-Year Fixed)
- Pittsfield Co-operative Bank: 6.125% (First-Time Homebuyer - 30 Year Fixed)
- Cape Ann Savings Bank: 6.375% (First-Time Homebuyer Mortgage Program - 30 Year Fixed)
Nutting Lake, Massachusetts Rates & Resources
