Massachusetts Mortgage Lenders and Rates (MA)

We all know that finding the right mortgage and rate in Massachusetts can save you thousands. was created with that goal in mind. If you are looking for Massachusetts lenders, Massachusetts Mortgage Rates, or Massachusetts Mortgage Brokers – we got it. Plus when you fill out a mortgage quote form from, we will get you offers from 2-4 different lenders, meaning lenders are going to compete for your loan – and that will save you money.

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Featured Mortgage Lenders in Massachusetts

Massachusetts Mortgage Quick Facts

Massachusetts State Population: 6,349,097*
Median Massachusetts Home Price: $185,700*
Total Massachusetts Housing Units:
Massachusetts Home Ownership Rate
: 61.7%*

Types of Mortgage Loans Available in Massachusetts

How Your Credit Score Affects Your Mortgage Rate

To start with, you’ll need to know what your current credit score is. You should compare that against the average Massachusetts consumer credit score which is 705. And the national average credit score is 677. Your credit score impacts what your home mortgage rate will be. Historically home mortgage rates have varied from 5% to over 13%. Lenders create their home mortgage rates by using the Federal Discount Interest Rate and then increase it by using an internal formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors, one of which is your credit score.

Massachusetts Mortgage State Laws:


Massachusetts is a title theory state. A title theory requires that the lender holds the title to the property until the loan is paid. The loan document is the trust deed. In Massachusetts, a trust deed and a mortgage are synonymous. Non-judicial foreclosure processes are generally elected. The requirements for sale of a foreclosed property:

  • Notice of sale must be announced once a week, for three weeks prior to sale, in the county’s highest circulating newspaper.
  • A notice must be sent to the borrower’s home thirty days before the sale of the property, via registered mail.
  • The lender has right of redemption.

The Homestead Act

The Homestead Act does not protect participants from liens.

Massachusetts Mortgage Fraud Office
White Collar Crime Supervisor
One Center Plaza,
Suite 600
Boston, MA 02108
Phone: (617) 223-6477

Massachusetts Counties:

Barnstable County, Berkshire County, Bristol County, Dukes County, Essex County, Franklin County, Hampden County, Hampshire County, Middlesex County, Nantucket County, Norfolk County, Plymouth County, Suffolk County, Worcester County

-US Census

This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.

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