The following Mortgage Rates are current as of 2/4/2026.
Mortgage Rates
Fixed Rate Mortgages
This table may be difficult to navigate with screen readers. For assistance, please contact Beacon Bank.
|
Loan Type
|
Interest Rate
|
Points
|
Annual Percentage Rate (APR)1
|
Term In Months
|
Monthly Payment Per $1000 Borrowed
|
|---|---|---|---|---|---|
| 10 Year Fixed Under $750,000 | 5.50% | 0 | 5.694% | 120 | $8.17 |
| 10 Year Fixed $750,000 & Over2 | 5.50% | 0 | 5.612% | 120 | $8.17 |
| 15 Year Fixed Under $750,000 | 5.50% | 0 | 5.694% | 180 | $8.17 |
| 15 Year Fixed $750,000 & Over2 | 5.50% | 0 | 5.612% | 180 | $8.17 |
| 20 Year Fixed Under $750,000 | 5.99% | 0 | 6.161% | 240 | $7.16 |
| 20 Year Fixed $750,000 & Over2 | 5.99% | 0 | 6.095% | 240 | $7.16 |
| 30 Year Fixed Under $750,000 | 6.125% | 0 | 6.249% | 360 | $6.08 |
| 30 Year Fixed $750,000 & Over2 | 6.125% | 0 | 6.199% | 360 | $6.08 |
Adjustable-Rate Mortgages (ARMS)
This table may be difficult to navigate with screen readers. For assistance, please contact Beacon Bank.
|
Loan Type
|
Loan Amount
|
Payment Period (30 Years)
|
Interest Rate
|
Points
|
Annual Percentage Rate (APR)3
|
Monthly Payment Per $1000 Borrowed
|
|---|---|---|---|---|---|---|
| 5/1 ARM | Under $750,000 | 5.50% | 0 | 6.0771% | $5.68 | |
| 5/1 ARM | $750,000 & Over5 | 5.50% | 0 | 6.025% | $5.68 | |
| 7/1 ARM | Under $750,000 | 5.75% | 0 | 6.114% | $5.84 | |
| 7/1 ARM | $750,000 & Over5 | 5.75% | 0 | 6.065% | $5.84 | |
| 10/1 IO | Under $750,000 | 5.875% | 0 | 6.122% | $4.90 | |
| 10/1 IO | $750,000 & Over5 | 5.87% | 0 | 6.077% | $4.90 |
Member FDIC. Equal Housing Lender. Beacon Bank NMLS 715671
Fixed Rates
1Rates shown are for 1-4 family, owner-occupied, primary residences located in the state of Massachusetts. Rates include an autopay discount of 0.25% from a Beacon Bank checking account. Property insurance is required. Flood insurance may be required. PMI private mortgage insurance required if there is less than 20% down payment or loan to value exceeds 80% for refinances. Rates and programs offered may change at any time. Minimum loan amount $50,000.
2Terms for Jumbo Mortgage amounts in excess of $2,000,000 may vary. Speak to a Mortgage Officer for more information.
Variable Rates
3APRs reflect a discount for making automatic payments from a Berkshire Bank Checking Account. Rates and monthly payments will adjust after the fifth, seventh, or tenth year depending on the loan type selected, and each year thereafter. Rate adjustments are capped at 2% per adjustment and 6% for the life of the loan. Adjusted rates are based on an index of the weekly average yield on United States Treasury Securities adjusted to a constant maturity of one year (as published by the Federal Reserve Board in Selected Interest Rates Publication H15) plus a margin of 2.75%. Rates apply to loans for which there is a 20% down payment for purchases or a maximum of 80% loan to value financing for refinances. The payment is for monthly principal and interest only for the first five, seven, or ten years depending on which loan type selected. Rates include an autopay discount of 0.25% from a Beacon Bank checking account. Rates and programs offered may change at any time. Property insurance is required. Flood insurance may also be required. Minimum loan amount $50,000.
4Fully Indexed rates and payment examples are estimates of what could apply for the remaining term of the loan based on the current index. Actual interest rates and payments will adjust in accordance with the terms of the loan.
5Terms for Jumbo ARM amounts in excess of $2,000,000 may vary. Speak to a Mortgage Officer for more information.
6Interest-Only (I/O) ARM payments require interest-only payments at the stated fixed rate for the fixed period then amortize fully using traditional mortgage-style amortization at the fully-indexed variable rate; resetting annually over the remainder of the stated loan term. This is typically 20 years of amortization on a 30 year loan after the initial 10 year interest-only period.
Beacon Bank is a full-service financial institution with branches in MA, CT, VT, NY, and RI.
Pages within: