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Mortgage and Home Financing Rates in Massachusetts

Mortgage & Home Financing
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Fixed Rate Mortgages

ProgramTermInterest RatePointsAPR*Monthly Payments per $1,000
10-Year Fixed10 years6.125%06.649%$11.16
15-Year Fixed15 years6.375%06.750%$8.64
20-Year Fixed20 years6.625%06.929%$7.53
30-Year Fixed30 years6.875%07.111%$6.57
*Annual Percentage Rate (APR) effective October 28, 2026 and subject to change without notice. Minimum down payment 20%. Payments noted do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Property insurance is required. Subject to credit approval.

Adjustable Rate Mortgages - Owner Occupied

ProgramTermInterest RatePointsAPR*Monthly Payments Per $1,000 Borrowed
5/1 ARM30 years6.250%07.223%Months 1 to 60$6.16
Months 61 to 359$6.90
Month 360$6.92
7/1 ARM30 years6.625%07.272%Months 1 to 84$6.40
Months 85 to 359$6.90
Month 360$6.93
10/1 ARM30 years6.750%07.230%Months 1 to 120$6.49
Months 121 to 359$6.87
Month 360$6.85
*Annual Percentage Rate (APR) effective October 28, 2026 and subject to change without notice. An ARM product offers a lower initial rate that is fixed for the initial term, and then periodically adjust based on the index and margin. Village Bank offers 5/1, 7/1, AND 10/1 ARMs which are fixed for the initial terms and adjust every 12 months. The interest rate adjustments are capped both annually and for the life of the loan. The adjustment period is based on the 1 Year Constant Maturity Treasury (index) and the Margin that is set at origination, rounded to the nearest .125%. During the adjustment period, the rate can never increase or decrease more than 2% within a 12 month period, has a life cap of 6% and a floor of 3%. Minimum down payment 20%. Payments noted do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Property insurance is required. Subject to credit approval.

Click here for the Adjustable Rate Mortgage Loan Program Disclosure.

Click here for the Adjustable Rate Mortgage Construction Loan Program Disclosure.