Vineyard Haven, MA Refinance Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current refinance rates for Vineyard Haven, 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%. Vineyard Haven, Massachusetts mortgage refinance rates from lenders serving Massachusetts range from 4.54% to 8.00%, verified by MonitorBankRates as of October 31, 2026. Current mortgage refinance rates for Vineyard Haven, 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%. Refinance rates as of October 31, 2026 according to verified data from MonitorBankRates.
Vineyard Haven homeowners can compare 369 refinance rates from 76 lenders serving the Massachusetts area, with refinance rates as low as 5.625% from Institution for Savings. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Massachusetts homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Refinance Rates Today in Vineyard Haven, Massachusetts & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Vineyard Haven, MA lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Vineyard Haven 30 Year Fixed Refinance 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%
Vineyard Haven 15 Year Fixed Refinance 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
Vineyard Haven 5/1 ARM Refinance Rates
Refinance only; first lien; no origination fees or points
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
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.
Vineyard Haven 30-Year Jumbo Refinance Rates
Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance
Refinance only; first lien; no origination fees or points
Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance
Autopay rate; non-autopay rates are .25% higher; rates based on 20% down payment; Payment Schedule: 240 monthly payments
Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance
Conforming and Jumbo; Purchase and Refinance; 360 monthly payments; P&I per $1,000 Borrowed: $6.83; Freedom 30 one-time opportunity to lower rate, hassle-free
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
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
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
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%
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
Vineyard Haven 15-Year Jumbo Refinance Rates
Fixed Rate Mortgage; 180 monthly payments; P&I per $1,000 Borrowed $8.72; Autopay rate (non-autopay rates are .25% higher)
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; 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
Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $8.78
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
Vineyard Haven 5/1 Jumbo ARM Refinance 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
Vineyard Haven 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
Vineyard Haven 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
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 31, 2026. Use these as the benchmark for the Vineyard Haven, Massachusetts quotes above; lenders that price refinances separately currently run about 0.189 points higher.
Vineyard Haven, MA Refinance Rate Trends
Compare local Vineyard Haven, MA refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Massachusetts refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
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%.
What Vineyard Haven, MA Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Massachusetts Refinance Rate Forecast, Next 12 Months
Where are Massachusetts refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Vineyard Haven, MA Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $677,920 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (MA avg) | 7.098% | $4,555 | 70.4% | |
| 6-Month Forecast | 7.098% (6.75, 7.40%) | $4,555 | +$0/mo | 70.4% |
| 12-Month Forecast | 7.348% (7.00, 7.65%) | $4,670 | +$115/mo | 72.2% |
Income column = annual mortgage payment as % of Vineyard Haven, MA median household income ($77,665). Above 30% is generally considered cost-burdened.
Vineyard Haven, Massachusetts Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Vineyard Haven, Massachusetts rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Vineyard Haven, Massachusetts Refinance
The rate is only part of the decision. Use these calculators to turn current Vineyard Haven, Massachusetts home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If 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.
CalculateEnter 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.
CalculateIf your goal is cash rather than a lower rate, compare current Vineyard Haven, Massachusetts home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell 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 Vineyard Haven, 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.
CalculateTypes of Refinance Loans Available in Vineyard Haven, Massachusetts
Homeowners in Vineyard Haven, Massachusetts can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Massachusetts lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Vineyard Haven, Massachusetts average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Vineyard Haven, Massachusetts usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Massachusetts quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for Vineyard Haven, Massachusetts is $1,249,125. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Vineyard Haven, Massachusetts refinance 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 Refinance Rate Data: We aggregate mortgage and refinance rates for Vineyard Haven, 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. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Vineyard Haven, 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 and refinance 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.
Refinance Product Information
How a Mortgage Refinance Works
A refinance pays off your current mortgage with a new loan on the same Vineyard Haven, Massachusetts home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
Refinance Rates vs. Purchase Rates
Most Massachusetts banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Vineyard Haven, Massachusetts mortgage rates page. For example, Institution for Savings is listing a First-Time/Affordable Homebuyer Loan - 30 Year Fixed at 5.625% for either purpose. Some lenders price refinances separately and list them by name, such as Sharon And Crescent United Credit Union’s On The House Refinance - 5/5 ARM at 5.50%. Across lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break Even Point
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Vineyard Haven, Massachusetts homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs
Refinance closing costs in Massachusetts typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When to Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Massachusetts refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Vineyard Haven, Massachusetts
What are refinance rates in Vineyard Haven, Massachusetts today?
What are home loan refinance rates in Vineyard Haven, MA today?
Are refinance rates higher than purchase mortgage rates in Vineyard Haven, Massachusetts?
When does refinancing make sense in Vineyard Haven, Massachusetts?
How soon can I refinance a mortgage in Vineyard Haven, Massachusetts?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Vineyard Haven, Massachusetts?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in Vineyard Haven, Massachusetts?
How do I get refinance quotes in Vineyard Haven, Massachusetts?
What are the best refinance rates in Vineyard Haven, 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)
Vineyard Haven, Massachusetts Rates & Resources
