Raynham Center, Massachusetts Mortgage Rates - October 2026
Brian McKay
Brian McKay
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Raynham Center, Massachusetts mortgage rates from lenders serving Massachusetts range from 5.00% to 8.00%, verified by MonitorBankRates as of October 14, 2026. Current 30-year fixed mortgage rates for Raynham Center, Massachusetts borrowers from lenders serving Massachusetts include Florence BankFlorence BankA+5.0 ★Texas Ratio: 2.70% at 6.00%, First Citizens Federal Credit UnionFirst Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 2.13% at 6.00%, AllCom Credit UnionAllCom Credit UnionA+5.0 ★Texas Ratio: 0.25% at 6.00%, Pittsfield Co-operative BankPittsfield Co-operative BankA+5.0 ★Texas Ratio: 2.25% at 6.125%, and Reading Co-op BankReading Co-op BankA4.5 ★Texas Ratio: 0.72% at 6.25%. Mortgage rates as of October 14, 2026 according to verified data from MonitorBankRates.
Raynham Center borrowers can compare 294 mortgage rates from 62 lenders serving the Massachusetts area, with mortgage rates as low as 6.00% from Florence Bank. 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 14, 2026
Compare Mortgage Rates Today in Raynham Center, Massachusetts & the Surrounding Area
Raynham Center 30 Year Fixed Mortgage Rates
No additional details available.
- Sep 27, 20266.06%▲ from 5.68%
- Sep 15, 20265.68%first recorded
Minimum Down Payment: 5%; APR based on $180,000 loan amount with 20% equity; Rates Effective 9/17/26
As Low As; Fixed Rate; APR based on $125,000 loan, 80% LTV, FICO 740+; Conforming Fixed Rate Loan Limits apply
Up to 89% financing with no mortgage insurance required.
As Low As; TRIM - The Rate Improver Mortgage; Maximum Loan Amount $800,000; primary residence only, single-family and warrantable condominium; APR based on $125,000 loan, 80% LTV, FICO 740+
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $400,000 and an estimated property value of $500,000. The property is located in MA and is within Middlesex County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days, and the assumed credit score is 720. At a 6.250% interest rate, the APR for this loan type is 6.291%. The monthly payment schedule would be: - 359 payments of $2,462.87 at an interest rate of 6.250% - 1 payment of $2,462.44 at an interest rate of 6.250%. Minimum payment does not include taxes and homeowner's insurance, and the actual payment may be greater.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Schedule an Appointment
- Oct 7, 20266.56%▲ from 6.06%
- Sep 15, 20266.06%first recorded
CAPS: N/A; Monthly Payment per $1,000: $6.32
No additional details available.
- Sep 24, 20266.59%▲ from 6.33%
- Sep 15, 20266.33%first recorded
No additional details available.
- Sep 24, 20266.62%▲ from 6.36%
- Sep 15, 20266.36%first recorded
No additional details available.
- Sep 24, 20266.64%▲ from 6.39%
- Sep 15, 20266.39%first recorded
Effective Date: 10/9/2026; Monthly Payment Per $1,000 Borrowed: $6.40
- Oct 14, 20266.68%▲ from 6.43%
- Sep 24, 20266.43%▲ from 6.18%
- Sep 14, 20266.18%first recorded
CAPS: N/A; Monthly Payment per $1,000: $6.40
No additional details available.
APR based on $150,000.00 loan amount; Loan amount and estimated closing cost fees of $1,500
Fixed Mortgage Rates; 2 points
11% Down1; Must have automatic payments from a TSB checking account and direct deposit of payroll income.
20% Down
- Oct 7, 20266.79%▲ from 6.54%
- Sep 19, 20266.54%▲ from 6.29%
- Sep 15, 20266.29%first recorded
No additional details available.
- Oct 11, 20266.80%▲ from 6.67%
- Oct 7, 20266.67%first recorded
First-time Home Buyer: false
- Oct 1, 20266.80%▲ from 6.78%
- Sep 15, 20266.78%first recorded
20% Down
No additional details available.
20% Down
- Oct 7, 20266.85%▲ from 6.54%
- Sep 19, 20266.54%▲ from 6.29%
- Sep 15, 20266.29%first recorded
Fixed-rate mortgage; savings example based on $250,000 loan; excellent credit profile
Fixed Mortgage Rates; 1 point
Conforming and Jumbo -First Time Homebuyer
APR based on $150,000.00 loan amount; Loan amount and estimated closing cost fees of $1,500
No additional details available.
- Oct 1, 20266.98%▲ from 6.73%
- Sep 16, 20266.73%first recorded
360 months
- Oct 1, 20267.00%▲ from 6.87%
- Sep 27, 20266.87%▲ from 6.74%
- Sep 24, 20266.74%first recorded
Conforming; Up to 80% Total Loan To Value; Rates effective October 1, 2026
- Oct 2, 20267.01%▲ from 6.90%
- Sep 22, 20266.90%first recorded
No additional details available.
- Oct 1, 20267.01%▲ from 6.76%
- Sep 24, 20266.76%first recorded
Fixed Mortgage Rates; 0 points
No additional details available.
- 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
as low as
360 months
- Oct 1, 20267.12%▲ from 7.00%
- Sep 27, 20267.00%▲ from 6.87%
- Sep 24, 20266.87%first recorded
Caps: N/A
As Low As; Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security.
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
- Sep 22, 20267.00%▲ from 6.88%
No additional details available.
- Oct 11, 20267.13%▲ from 7.00%
- Oct 1, 20267.00%▲ from 6.75%
- Sep 19, 20266.75%▲ from 6.50%
- Sep 15, 20266.50%first recorded
Mortgage purchase; assumes 80% LTV, 740 credit score, zero points, $5,000 closing costs, $200,000 loan amount
- Oct 10, 20267.19%▲ from 7.07%
- Sep 14, 20267.07%first recorded
Purchase transaction, 80% LTV, 740 credit score, $200,000 loan amount
Rates effective as of: 10/13/2026
- Oct 10, 20267.19%▼ from 7.32%
- Oct 2, 20267.32%▲ from 7.19%
- Sep 27, 20267.19%▲ from 6.82%
- Sep 18, 20266.82%first recorded
Program: FIXED; Maximum Term: 30 Years; Fully Indexed Rate: N/A; assumes $100,000 loan amount and 20% down payment/equity; maximum LTV 80%
No additional details available.
Mortgage Loans - Conforming Limits Effective 10/13/2026; Rates assume 60% LTV, single family purchase, FICO over 740
- Oct 9, 20267.26%▼ from 7.64%
- Oct 1, 20267.64%▲ from 7.38%
- Sep 24, 20267.38%first recorded
Caps: N/A
- Oct 7, 20267.26%▲ from 7.14%
- Sep 27, 20267.14%first recorded
No additional details available.
- Sep 24, 20267.26%▲ from 6.42%
- Sep 15, 20266.42%first recorded
Raynham Center 15 Year Fixed Mortgage Rates
No additional details available.
As Low As; Fixed Rate; APR based on $125,000 loan, 80% LTV, FICO 740+; Conforming Fixed Rate Loan Limits apply
Minimum Down Payment: 5%; APR based on $180,000 loan amount with 20% equity; Rates Effective 9/17/26
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 11, 20266.28%▲ from 6.15%
- Oct 7, 20266.15%first recorded
No Points; Monthly cost per $1,000 Borrowed:
- Oct 10, 20266.30%▼ from 7.31%
- Sep 14, 20267.31%first recorded
No additional details available.
20% Down; Max. Loan Amount: See note 1
- Oct 7, 20266.41%▲ from 6.16%
- Sep 19, 20266.16%first recorded
20% Down; 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
No additional details available.
- Sep 24, 20266.49%▲ from 6.11%
- Sep 15, 20266.11%first recorded
No additional details available.
- Oct 1, 20266.49%▼ from 6.58%
- Sep 15, 20266.58%first recorded
As Low As; Get peace of mind with predictable monthly payments. Both traditional and short-term options available.
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
No additional details available.
- Sep 24, 20266.52%▲ from 6.14%
- Sep 15, 20266.14%first recorded
Owner-occupied residential; APR based on 80% LTV and $500,000 loan amount; rates not guaranteed
- Oct 2, 20266.53%▲ from 6.27%
- Sep 14, 20266.27%first recorded
Conforming; Up to 80% Total Loan To Value; Rates effective October 1, 2026
- Oct 2, 20266.54%▲ from 6.04%
- Sep 22, 20266.04%first recorded
No additional details available.
- Sep 24, 20266.56%▲ from 6.17%
- Sep 15, 20266.17%first recorded
as low as
No additional details available.
- Oct 1, 20266.62%▲ from 6.37%
- Sep 16, 20266.37%first recorded
No additional details available.
No additional details available.
- Oct 1, 20266.65%▲ from 6.27%
- Sep 24, 20266.27%first recorded
No additional details available.
Fixed Mortgage Rates; 2 points
Effective: 10/13/2026; Loan amounts up to $832,750
As Low As; w/ 0.875 Points; Payment: 2,090.66
Fixed Mortgage Rates; 1 point
Rates effective as of: 10/13/2026
- Oct 10, 20266.86%▼ from 6.99%
- Oct 1, 20266.99%▲ from 6.86%
- Sep 27, 20266.86%▲ from 6.61%
- Sep 18, 20266.61%first recorded
Fixed Mortgage Rates; 0 points
No additional details available.
Refinance; Based on $300,000 loan amount; Rates include 0.125% autopay and paperless discount
No additional details available.
- 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
Monthly Payment Per $1,000: $8.92. Payments per thousand do not include taxes and insurance. Your actual monthly payment will be higher.
- Oct 12, 20267.03%▼ from 7.16%
- Oct 8, 20267.16%first recorded
Mortgage purchase; assumes 80% LTV, 740 credit score, zero points, $5,000 closing costs, $200,000 loan amount
- Oct 10, 20267.07%▲ from 6.94%
- Sep 14, 20266.94%first recorded
Purchase transaction, 80% LTV, 740 credit score, $200,000 loan amount
Mortgage APR based on a $300,000 loan amount
- Oct 13, 20267.07%▲ from 6.57%
- Sep 14, 20266.57%first recorded
Rate with 20% down
- Oct 2, 20267.08%▲ from 6.83%
- Sep 24, 20266.83%▲ from 6.33%
- Sep 17, 20266.33%first recorded
No additional details available.
- Oct 7, 20267.12%▲ from 6.87%
- Oct 1, 20266.87%▲ from 6.75%
- Sep 27, 20266.75%▲ from 6.49%
- Sep 15, 20266.49%first recorded
No additional details available.
- Oct 3, 20267.14%▲ from 7.02%
- Sep 27, 20267.02%▲ from 6.64%
- Sep 19, 20266.64%first recorded
Rates as of 10/13/2026
Mortgage Loans - Conforming Limits Effective 10/13/2026; Rates assume 60% LTV, single family purchase, FICO over 740
No additional details available.
- Oct 13, 20267.16%▼ from 7.29%
- Oct 2, 20267.29%▲ from 7.16%
- Sep 29, 20267.16%▲ from 7.04%
- Sep 24, 20267.04%first recorded
Par rate (no discount points); Mortgage
- Oct 13, 20267.16%▲ from 6.91%
- Sep 22, 20266.91%first recorded
No additional details available.
- Sep 24, 20267.17%▲ from 6.06%
- Sep 15, 20266.06%first recorded
Max. Loan Amount: $250,000
No additional details available.
- Oct 14, 20267.35%▲ from 7.22%
- Oct 10, 20267.22%▲ from 6.60%
- Sep 18, 20266.60%first recorded
Description: Conforming; # of monthly payments: 180
Raynham Center 5/1 ARM Mortgage Rates
With closing costs / 0 points
No additional details available.
No Points; Months: 1 - 60; $ per $1,000: $5.92; Fully Indexed Rate: 7.270%; 5/1 ARM with No PMI; Margin 2.75% over 1 Year Constant Maturity Treasury; adjustment limited to 2% per adjustment and 6% lifetime
Adjustable rate mortgage; featured homepage rate
- Oct 10, 20266.00%▲ from 5.75%
- Sep 18, 20265.75%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available.
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Initial Rate, first 60 months; fixed initial rate, then adjusts annually from month 61; owner-occupied residential; APR based on 80% LTV and $500,000 loan amount; minimum credit score 720
No additional details available.
No additional details available.
Description: Up to $832,750; Fully Indexed Rate: 6.500%; Adjustable Rate Mortgage (ARM)
- Oct 2, 20266.35%▲ from 6.25%
- Sep 24, 20266.25%▲ from 6.12%
- Sep 17, 20266.12%first recorded
Fully Indexed Rate: 7.250%; Monthly Principal and Interest Payment per $1,000 Borrowed*: $5.37 (60 payments); Monthly Principal and Interest Payment per $1,000 After First Adjustment*: $6.64 (300 payments); Schedule an Appointment
- Oct 7, 20266.42%▲ from 6.22%
- Sep 15, 20266.22%first recorded
Months 1 to 60:; Months 61 to 72:; Months 73 - 360:; Margin: 2.875%; Index: 4.05%
- Oct 3, 20266.48%▲ from 6.44%
- Sep 27, 20266.44%▲ from 6.39%
- Sep 15, 20266.39%first recorded
Initial fixed period 5 years, then adjusts every six months; index 30-day Average SOFR plus 2.75% margin; Membership requires $5.00 deposit balance
No lender closing costs; Adjustable-rate; Floor Rate 2.25%; 2% initial and subsequent adjustment caps; 5% lifetime cap; APR based on $400,000 loan; Owner occupied 1-2 unit properties
No closing costs / no points
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 with a loan amount of $350,000; ARM loans are variable rate and may adjust every 12 months after the initial 5 years
Initial interest rate fixed for 5 years, then adjusts annually; Index: 5 Year Treasury Constant Maturity; caps 2% and 6%; floor 2.75%; Maximum 95% LTV for purchases; PMI required over 80% LTV; assumes 740+ credit score
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
Fully Indexed Rate: 7.125%; Monthly Payment per $1,000: $5.60; Fully Indexed Monthly Payment per $1,000: $6.74; Rates effective September 17, 2026, subject to increase; assumes $100,000 loan amount and 20% down payment; maximum 95% LTV; caps 2% per adjustment and 6% lifetime; margin 2.875%
Fully Indexed Rate: 7.250%
- Oct 7, 20266.59%▲ from 6.52%
- Sep 24, 20266.52%▲ from 6.40%
- Sep 15, 20266.40%first recorded
Term: 5/1 Adjustable Rate First-Time Home Buyer
Term: 60 monthly payments of: then 299 monthly payments of: and 1 payment of:; Rate: 5.750% (initial); 7.250% (after 60 months); 7.250% (after 299 months)
- Oct 7, 20266.66%▲ from 6.59%
- Sep 19, 20266.59%first recorded
No lender closing costs; Adjustable-rate; Floor Rate 2.25%; 2% initial and subsequent adjustment caps; 5% lifetime cap; APR based on $400,000 loan; Owner occupied 1-2 unit properties
Effective October 8, 2026; Monthly payment per $1000: $5.84
Fixed for first 5 years, then adjusts every 1 year to 3% above the weekly average yield on the 1-year U.S. Treasury Constant Maturity Index; Fully Indexed Rate: 7.125%; Interest rate cap 2% per adjustment and 6% over life of loan; Floor rate 4%; Existing First Responders Credit Union loans not eligible (5/1)
First-Time Home Buyer: false
- Oct 1, 20266.72%▲ from 6.55%
- Sep 24, 20266.55%first recorded
Term: First 60 months; Next 300 months; Adjustable Rate Mortgages (ARM); Rate after first period: 7.250%; Rate Caps (Initial/Annual/Lifetime): 2% / 2% / 5%; Margin/index: 2.75% / 4.48%; Conforming loans up to $806,500.00 with FICO 740 and LTV no greater than 75%
- Oct 2, 20266.72%▲ from 6.48%
- Sep 18, 20266.48%first recorded
Initial interest rate: 5.625%. Based on current market conditions, the monthly payment schedule would be: 60 payments of $575.66 at an interest rate of 5.625%, 299 payments of $669.41 at an interest rate of 7.250%, 1 payment of $668.13 at an interest rate of 7.250%. The payment schedule is based on a $100,000 loan. The APR may increase after consummation. Based on 20% down payment.
5/1 ARM**
- Oct 11, 20266.74%▲ from 6.25%
- Oct 7, 20266.25%first recorded
No additional details available.
- Sep 29, 20266.75%▲ from 6.63%
- Sep 24, 20266.63%first recorded
No lender closing costs; Adjustable-rate; Floor Rate 2.25%; 2% initial and subsequent adjustment caps; 5% lifetime cap; APR based on $400,000 loan; Owner occupied 1-2 unit properties
Rate Caps: 2%/2%/5%; Fully Indexed Rate: 7.020; Range of Monthly Payments per $10,000: Year 1-5 $59.15, Year 6 $54.30-$70.90, Year 7 $54.30-$83.30, Year 8- 30 $54.30-$89.60
- 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
Effective October 8, 2026; Monthly payment per $1000: $6.00
Months 1 - 60: $5.84; Months 61 - 360: $6.86
- Oct 11, 20266.81%▲ from 6.74%
- Oct 1, 20266.74%▲ from 6.49%
- Sep 24, 20266.49%▲ from 6.35%
- Sep 15, 20266.35%first recorded
Adjustable Rate Mortgage (ARM); Estimated APR based on $300,000.00 loan amount; Per run cap of 2%; Life of loan cap of 6%
- Oct 1, 20266.82%▲ from 6.65%
- Sep 14, 20266.65%first recorded
Rate Change Caps: 2%/2%/6%; Margin/Index: 2.875%; Rates effective as of September 15, 2026
Adjustable Rate Mortgage; Rate Change Caps: 2%/2%/6%; Margin/Index: 2.875%; Payment per $1000: $6.00; Rates effective as of September 15, 2026
caps 2/2/6 repayment schedule based on 30 years
- Oct 8, 20266.86%▲ from 6.74%
- Sep 24, 20266.74%▲ from 6.60%
- Sep 16, 20266.60%first recorded
Year 1-5, rate 5.750%, 60 payments of $5.84; Year 6-30, rate 7.250%, 300 payments of $6.70
Rate Change Caps: 2%/2%/6%; Margin/Index: 2.875%; Rates effective as of September 15, 2026
Adjustable Rate Mortgage; Rate Change Caps: 2%/2%/6%; Margin/Index: 2.875%; Payment per $1000: $5.67; Rates effective as of September 15, 2026
As Low As; Home Loans
No additional details available.
- 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
No additional details available.
- 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
Initial interest rate; Fully Indexed Rate: 6.625%
- Oct 14, 20266.94%▲ from 6.86%
- Oct 7, 20266.86%▼ from 7.00%
- Sep 18, 20267.00%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; 30-year term/amortization
Caps: 1/1/5; Fully Indexed Rate: 7.500%
- Oct 11, 20266.95%▲ from 6.84%
- Oct 1, 20266.84%▲ from 6.77%
- Sep 24, 20266.77%▲ from 6.64%
- Sep 15, 20266.64%first recorded
Initial Fixed Term: 60 months; Initial; Remaining Adjustable Term: 300 months; Fully Indexed Rate: 7.610%; Adjusted; Rates shown for members with the best credit profile
Interest Rate 6.125%; APR 7.096%*; An ARM can be a great way to lower your monthly mortgage payment with a lower initial interest rate.
- Oct 1, 20267.10%▲ from 6.92%
- Oct 1, 20266.92%▲ from 6.80%
- Sep 24, 20266.80%first recorded
No additional details available.
- Oct 13, 20267.10%▲ from 6.98%
- Sep 29, 20266.98%▲ from 6.92%
- Sep 24, 20266.92%first recorded
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Raynham Center 30-Year Jumbo Mortgage Rates
No additional details available.
Description: $832,751 to $2,000,000; Fully Indexed Rate: 6.500%; Adjustable Rate Mortgage (ARM)
- Oct 2, 20266.42%▲ from 6.29%
- Sep 24, 20266.29%▲ from 6.10%
- Sep 17, 20266.10%first recorded
No additional details available.
- Oct 14, 20266.63%▲ from 6.14%
- Sep 18, 20266.14%▲ from 6.02%
- Sep 14, 20266.02%first recorded
Adjustable rate mortgage; jumbo loan; loan amounts from $832,751 - $2,000,000; rates effective 10/13/2026
up to $2; Initial Interest Rate Period: 7 Years; Initial Rate Period: 84 monthly payments; Initial EMP per $1000: $6.24; Fully Indexed Rate: 6.875% for 276 monthly payments (EMP; Closing Fees: Yes; Advertised rates for loan example of $900,000; assumes LTV 60% or less and credit score 740 or higher
Rates as of 10/13/2026; Loan amounts greater than $832,750
Initial interest rate; Fully Indexed Rate: 6.625%
- Oct 14, 20266.67%▲ from 6.55%
- Oct 7, 20266.55%▲ from 6.36%
- Sep 18, 20266.36%first recorded
up to $2; Initial Interest Rate Period: 10 Years; Initial Rate Period: 120 monthly payments; Initial EMP per $1000: $6.40; Fully Indexed Rate: 6.875% for 240 monthly payments (EMP; Closing Fees: Yes; Advertised rates for loan example of $900,000; assumes LTV 60% or less and credit score 740 or higher
caps 2/2/6 repayment schedule based on 30 years
- Oct 8, 20266.76%▲ from 6.65%
- Sep 24, 20266.65%▲ from 6.50%
- Sep 16, 20266.50%first recorded
No additional details available.
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20266.79%▲ from 6.67%
- Sep 24, 20266.67%▲ from 6.42%
- Sep 14, 20266.42%first recorded
Description: $832,751 to $2,000,000; Fully Indexed Rate: 6.500%; Adjustable Rate Mortgage (ARM)
- Oct 9, 20266.80%▼ from 6.88%
- Sep 24, 20266.88%▲ from 6.63%
- Sep 17, 20266.63%first recorded
No additional details available.
No additional details available.
- Oct 14, 20266.85%▲ from 6.24%
- Sep 18, 20266.24%▲ from 6.18%
- Sep 14, 20266.18%first recorded
Rate with 20% down
- Oct 2, 20266.86%▲ from 6.61%
- Sep 24, 20266.61%▲ from 6.36%
- Sep 17, 20266.36%first recorded
Term: 10/1 Years (30 Years)
- Oct 14, 20266.86%▲ from 6.45%
- Sep 18, 20266.45%first recorded
Description: Jumbo; # of monthly payments: 120
No additional details available.
20% Down; Max. Loan Amount: See note 2
- Oct 7, 20266.89%▲ from 6.64%
- Sep 19, 20266.64%▲ from 6.39%
- Sep 15, 20266.39%first recorded
No additional details available.
- Sep 24, 20266.89%▲ from 6.52%
- Sep 19, 20266.52%▲ from 6.39%
- Sep 15, 20266.39%first recorded
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20266.89%▲ from 6.77%
- Sep 24, 20266.77%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Term: 120 fixed monthly payments; Fixed period: 120 monthly payments; Fully indexed rate: 7.250% over 360 monthly payments; Payment per $1,000: $6.24 (fixed period), $6.67 (fully indexed)
Fixed monthly payments: 120; Fully Indexed Rate: 7.250%; Index: 1-year U.S. Treasury Bill plus 2.75% margin; Rate adjustments capped at 2.00% per adjustment period, lifetime maximum increase 6.00%; Apply Now
Term: 7/1 Adjustable CAP 2/4; Owner-Occupied; Jumbo Non-Conforming; Index: 1 YR Treasury; Margin: + 3.00% (Jumbo); 0 Points
Rates as of 10/13/2026; Loan amounts greater than $832,750
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20266.99%▲ from 6.86%
- Sep 24, 20266.86%▲ from 6.61%
- Sep 14, 20266.61%first recorded
Adjustable rate mortgage; jumbo loan; loan amounts from $832,751 - $2,000,000; rates effective 10/13/2026
No additional details available.
- Sep 24, 20267.01%▲ from 6.64%
- Sep 19, 20266.64%▲ from 6.51%
- Sep 15, 20266.51%first recorded
Monthly Payment Per $1,000: $6.65. Payments per thousand do not include taxes and insurance. Your actual monthly payment will be higher.
Rate with 20% down
- Oct 2, 20267.07%▲ from 6.81%
- Sep 24, 20266.81%▲ from 6.56%
- Sep 17, 20266.56%first recorded
Initial interest rate; Fully Indexed Rate: 6.625%
- Oct 14, 20267.10%▲ from 7.06%
- Oct 7, 20267.06%▲ from 7.00%
- Sep 18, 20267.00%first recorded
As Low As; Finance higher-priced homes without a large down payment or multiple mortgages.
- Oct 1, 20267.13%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.63%
- Sep 14, 20266.63%first recorded
Adjustable rate mortgage; jumbo loan; loan amounts from $832,751 - $2,000,000; rates effective 10/13/2026
Term: JUMBO 30-Year Fixed Rate; Jumbo APR based on $832,751.00 loan amount; Loan amount and estimated closing cost fees of $1,500
Rates as of 10/13/2026; Loan amounts greater than $832,750
Rate with 20% down
- Oct 2, 20267.18%▲ from 6.93%
- Sep 24, 20266.93%▲ from 6.67%
- Sep 17, 20266.67%first recorded
Fixed Jumbo mortgage; APR shown as 7.177% APR**; rates assume 60% loan-to-value, purchase of a single-family residence, and FICO over 740; loan-to-value over 80% requires private mortgage insurance
- Oct 13, 20267.18%▲ from 7.05%
- Sep 22, 20267.05%▲ from 6.93%
- Sep 14, 20266.93%first recorded
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20267.28%▲ from 7.15%
- Sep 24, 20267.15%▲ from 6.90%
- Sep 14, 20266.90%first recorded
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20267.28%▲ from 7.15%
- Sep 24, 20267.15%▲ from 6.90%
- Sep 14, 20266.90%first recorded
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20267.28%▲ from 7.16%
- Sep 24, 20267.16%▲ from 6.90%
- Sep 14, 20266.90%first recorded
Description: Jumbo; # of monthly payments: 240
Term: 84 fixed monthly payments; Fixed period: 84 monthly payments; Fully indexed rate: 7.250% over 360 monthly payments; Payment per $1,000: $6.08 (fixed period), $6.68 (fully indexed)
Fixed monthly payments: 84; Fully indexed rate: 7.250%; Monthly payments: 360
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
- Sep 24, 20267.34%▲ from 6.95%
- Sep 14, 20266.95%first recorded
Special Offer 0 Points; Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Owner-Occupied; Jumbo Non-Conforming; 0 Points
Term: JUMBO 30-Year Fixed Rate With No LLPA's; Jumbo APR based on $832,751.00 loan amount; Loan amount and estimated closing cost fees of $1,500
Rates as of 10/13/2026; Loan amounts greater than $832,750
Description: Jumbo; # of monthly payments: 360
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
- Sep 24, 20267.44%▲ from 7.04%
- Sep 14, 20267.04%first recorded
Raynham Center 15-Year Jumbo Mortgage Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 10, 20266.86%▼ from 7.36%
- Sep 27, 20267.36%▼ from 7.49%
- Sep 24, 20267.49%▲ from 6.99%
- Sep 22, 20266.99%▲ from 6.86%
Rates as of 10/13/2026; Loan amounts greater than $832,750
No additional details available.
Rate with 20% down
- Oct 2, 20266.95%▲ from 6.70%
- Sep 24, 20266.70%▲ from 6.45%
- Sep 17, 20266.45%first recorded
Description: Jumbo; # of monthly payments: 180
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20267.03%▲ from 6.91%
- Sep 24, 20266.91%▲ from 6.66%
- Sep 14, 20266.66%first recorded
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20267.07%▲ from 6.94%
- Sep 24, 20266.94%▲ from 6.69%
- Sep 14, 20266.69%first recorded
Jumbo / Non-Conforming; As of 10/13/2026
- Oct 9, 20267.10%▲ from 6.97%
- Sep 24, 20266.97%▲ from 6.72%
- Sep 14, 20266.72%first recorded
Raynham Center 5/1 Jumbo ARM Mortgage Rates
Description: $832,751 to $2,000,000; Fully Indexed Rate: 6.500%; Adjustable Rate Mortgage (ARM)
- Oct 2, 20266.40%▲ from 6.30%
- Sep 24, 20266.30%▲ from 6.12%
- Sep 17, 20266.12%first recorded
Initial interest rate; Fully Indexed Rate: 6.625%
- Oct 14, 20266.62%▲ from 6.50%
- Oct 7, 20266.50%▲ from 6.32%
- Sep 18, 20266.32%first recorded
No additional details available.
- Oct 14, 20266.68%▲ from 6.13%
- Sep 18, 20266.13%▲ from 6.04%
- Sep 14, 20266.04%first recorded
No additional details available.
- Oct 14, 20266.78%▲ from 6.23%
- Sep 18, 20266.23%▲ from 6.13%
- Sep 14, 20266.13%first recorded
caps caps 2/2/6 repayment schedule based on 30 years
- Oct 8, 20266.83%▲ from 6.72%
- Sep 24, 20266.72%▲ from 6.57%
- Sep 16, 20266.57%first recorded
up to $2; Initial Interest Rate Period: 15 Years; Initial Rate Period: 180 monthly payments; Initial EMP per $1000: $6.57; Fully Indexed Rate: 6.875% for 180 monthly payments (EMP; Closing Fees: Yes; Advertised rates for loan example of $900,000; assumes LTV 60% or less and credit score 740 or higher
Rates as of 10/13/2026; Loan amounts greater than $832,750
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%; Owner Occupied/Max Loan $832,750.00; Rates subject to increase after consummation/first adjustment
- Sep 24, 20267.25%▲ from 6.89%
- Sep 14, 20266.89%first recorded
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
- Sep 24, 20267.33%▲ from 6.95%
- Sep 14, 20266.95%first recorded
Term: 60 fixed monthly payments; Fixed period: 60 monthly payments; Fully indexed rate: 7.250% over 360 monthly payments; Payment per $1,000: $5.92 (fixed period), $6.70 (fully indexed)
Fixed monthly payments: 60; Fully indexed rate: 7.250%; Monthly payments: 360
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
- Sep 24, 20267.42%▲ from 7.03%
- Sep 14, 20267.03%first recorded
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
- Sep 24, 20267.52%▲ from 7.12%
- Sep 14, 20267.12%first recorded
Caps: 2/6; Margin: 3.50%; Yrs 1-5 Payment per $1,000: $6.65; Yrs 6-30 Payment per $1,000: $7.90
- Oct 7, 20267.88%▲ from 7.76%
- Sep 24, 20267.76%▲ from 7.57%
- Sep 19, 20267.57%▲ from 7.40%
- Sep 15, 20267.40%first recorded
Raynham Center FHA Loan Rates
No additional details available.
- Oct 13, 20267.93%▼ from 8.18%
- Oct 2, 20268.18%▲ from 7.93%
- Sep 29, 20267.93%▲ from 7.67%
- Sep 24, 20267.67%first recorded
Par rate (no discount points); Mortgage
- Oct 13, 20267.93%▲ from 7.55%
- Sep 22, 20267.55%first recorded
Raynham Center VA Loan Rates
Type: 3 year/1 year variable rate; APR As Low As
Adjustable Rate Mortgages; EMP
Adjustable Rate Mortgages; EMP
Adjustable Rate Mortgages; EMP
Adjustable Rate Mortgages; EMP
Rates effective as of 10/13/2026; First time home buyer required; proof of veteran status required; up to 100% financing available; closing costs apply
- Sep 27, 20267.33%▲ from 7.08%
- Sep 14, 20267.08%first recorded
No additional details available.
- Sep 29, 20268.43%▲ from 7.72%
- Sep 14, 20267.72%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Raynham Center, MA Mortgage Rate Trends
Compare local Raynham Center, 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 0.009 points over the past 7 days to 7.067%.
Massachusetts 15-year fixed rates rose 0.005 points over the past 7 days to 6.736%.
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 Raynham Center, MA Home Buyers
Monthly principal & interest payment on Raynham Center, MA median home of $547,700 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (MA avg) | 7.067% | $2,935 | 26.6% | |
| 6-Month Forecast | 7.067% (6.72, 7.37%) | $2,935 | +$0/mo | 26.6% |
| 12-Month Forecast | 7.317% (6.97, 7.62%) | $3,009 | +$74/mo | 27.3% |
Income column = annual mortgage payment as % of Raynham Center, MA median household income ($132,382). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Raynham Center, Massachusetts , computed from local Census Bureau data combined with current Massachusetts mortgage rates.
What This Score Means for Raynham Center, Massachusetts Home Buyers
With a score of 92.5, Raynham Center, Massachusetts is 4.6 points less affordable than the national average of 97.1. The area’s median home value of $547,700 against a median household income of $132,382 produces a price-to-income ratio of 4.1x , modestly above the national norm. At the current Massachusetts mortgage rate of 7.067%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $2,935 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $2,448, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $537/month ($6,443/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local 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 Raynham Center, Massachusetts
Raynham Center, Massachusetts Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Raynham Center, Massachusetts is approximately $547,700. 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.
Raynham Center, Massachusetts Homeownership Rate
The homeownership rate in Raynham Center, 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 Raynham Center, 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 $440,000 mortgage, based on a 20% down payment on the Raynham Center, Massachusetts median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.567% | 30-year fixed | $2,801 | $568,185 |
| 7.067% Current Avg | 30-year fixed | $2,947 | $620,976 |
| 7.567% | 30-year fixed | $3,097 | $674,832 |
| 6.736% | 15-year fixed | $3,890 | $260,234 |
A 0.500% rate increase on a $440,000 loan adds roughly $150 per month and over $53,856 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 Raynham Center, 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.
Raynham Center, Massachusetts Income & Housing Affordability
At a price-to-income ratio of 4.1x, Raynham Center, Massachusetts is a relatively affordable housing market compared to national averages. 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 Raynham Center, Massachusetts Buyers
With a median household income of $132,382 per year in Raynham Center, Massachusetts ($11,032/month) and a median home value of approximately $547,700, a buyer financing at 80% LTV at the current average rate would commit roughly 26.7% of gross monthly income to principal and interest alone. that falls within a manageable range relative to income, though taxes, insurance, HOA fees, and PMI will add to the true monthly cost of ownership.
Compared to the Massachusetts statewide price-to-income ratio of 5.4x, Raynham Center is more affordable relative to local incomes than the Massachusetts average, a relative bright spot for buyers within the state. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
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 Raynham Center, 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 Raynham Center, 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 Raynham Center, Massachusetts, the median homeowner with a mortgage pays approximately $2,448/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,776/month including utilities. That $672/month gap between owning and renting reflects both the premium for ownership and the reality that mortgaged homeowners are building equity with each payment while renters are not. Property taxes alone account for $537/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 Raynham Center, Massachusetts, 17.4% of homeowners with mortgages are cost burdened and 68.7% 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. The 17.4% owner burden rate is below the national average of 28.0%, suggesting this market offers relatively manageable ownership costs relative to local incomes.
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.
Raynham Center, Massachusetts Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Raynham Center, 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 Raynham Center, Massachusetts Home Loan
Rates are only part of the equation. Use these calculators to translate current Raynham Center, 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 Raynham Center, 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 Raynham Center, Massachusetts.
CalculateTypes of Mortgages Available in Raynham Center, Massachusetts
Not every loan program is right for every buyer in Raynham Center, 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 Raynham Center, 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 Raynham Center, 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 Raynham Center, 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 Raynham Center, 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 Raynham Center, 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 Raynham Center, 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 Raynham Center, 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.
How a Mortgage Works in Raynham Center, Massachusetts
A mortgage is a loan used to buy a home in Raynham Center, 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-Rate vs. Adjustable-Rate Mortgages for Raynham Center, Massachusetts Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Raynham Center, Massachusetts homeowner’s principal-and-interest payment never changes. For example, Florence Bank is listing a Welcome Home - 30-Year Fixed Rate at 6.00%. 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 Raynham Center, Massachusetts borrowers who expect to move or refinance before that point. On the adjustable-rate side, Taupa Lithuanian Federal Credit Union is listing a Adjustable Rate Mortgage 5/1 Year ARM at 5.50%.
How Raynham Center, Massachusetts 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 in Raynham Center, Massachusetts
The interest rate is not the only cost of buying a home in Raynham Center, 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 Raynham Center, Massachusetts shoppers account for these costs when weighing lenders.
When Raynham Center, Massachusetts Homeowners Should 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 Raynham Center, 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 Raynham Center, Massachusetts refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Raynham Center, Massachusetts
What are home loan rates in Raynham Center, MA today?
How does my credit score affect my rate in Massachusetts?
What is a 30-Year Fixed Mortgage?
What are closing costs in Massachusetts?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Raynham Center, Massachusetts?
Do I need 20% down to buy a house in Massachusetts?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Raynham Center, Massachusetts?
How do I get mortgage quotes in Raynham Center, Massachusetts?
What is the median home value in Raynham Center, Massachusetts?
What is the homeownership rate in Raynham Center, Massachusetts?
What is the conforming loan limit in Raynham Center, Massachusetts?
What is the median monthly cost of homeownership in Raynham Center, Massachusetts?
What are the median property taxes in Raynham Center, Massachusetts?
What is the median rent in Raynham Center, Massachusetts?
What percentage of homeowners are cost burdened in Raynham Center, Massachusetts?
What percentage of renters are cost burdened in Raynham Center, Massachusetts?
What are the best Mortgage rates in Raynham Center, Massachusetts?
- Florence Bank: 6.00% (Welcome Home - 30-Year Fixed Rate)
- First Citizens Federal Credit Union: 6.00% (Conforming Fixed - 30-Year Fixed)
- AllCom Credit Union: 6.00% (30 Year Fixed Mortgage)
- Pittsfield Co-operative Bank: 6.125% (First Home - 30 Year Fixed)
- Reading Co-op Bank: 6.25% (30-Year Fixed Rate Mortgage)
Raynham Center, Massachusetts Rates & Resources
