--- title: New Year Brings Lower Mortgage Interest Rates description: Average U.S. mortgage interest rates declined again for the week ending January 3, 2019, according to Freddie's Mac's weekly Primary Mortgage Market Survey, bringing Massachusetts homebuyers more good news on the interest rate front. image: https://info.buyersbrokersonly.com/hubfs/social-suggested-images/calculator-house-1-3.jpg --- (978) 835-5906             [![Search Icon](https://info.buyersbrokersonly.com/hs-fs/hubfs/Search%20Icon.png?width=30&height=30&name=Search%20Icon.png)](https://info.buyersbrokersonly.com/search-results-page) [![Buyers Brokers Only, LLC – Real Estate Buyer Agents](https://info.buyersbrokersonly.com/hs-fs/hubfs/2023%20BBO%20Logo%20800x170.png?width=1600&height=340&name=2023%20BBO%20Logo%20800x170.png "Buyers Brokers Only, LLC – Real Estate Buyer Agents")](https://www.buyersbrokersonly.com/) # Massachusetts Home Buyer Guide ![smaller-dotted-line.png](https://cdn2.hubspot.net/hub/298849/file-263826832-jpg/true_gray_line_websites.jpg?width=1175&name=true_gray_line_websites.jpg "smaller-dotted-line.png") ## [New Year Brings Lower Mortgage Interest Rates](https://info.buyersbrokersonly.com/blog/new-year-brings-lower-mortgage-interest-rates) Jan 6, 2019 2:14:49 PM The start of 2019 continued the recent good news on the mortgage interest rate front for Massachusetts homebuyers. ![calculator-house-1-3](https://info.buyersbrokersonly.com/hs-fs/hubfs/social-suggested-images/calculator-house-1-3.jpg?width=400&name=calculator-house-1-3.jpg)Average U.S. mortgage interest rates declined again for the week ending January 3, 2019, according to Freddie's Mac's weekly Primary Mortgage Market Survey. The 30-year, fixed-rate [mortgage loan](https://www.buyersbrokersonly.com/buying/massachusetts-mortgage-resource-center) averaged 4.51 percent, with an average 0.5 point, compared to 4.55 percent the previous week and 3.95 percent during the same week in 2018. The difference between a 4.5 percent and 5 percent interest rate is about $125 in principal and interest per month on a $400,000 loan. “Mortgage rates declined to start the new year with the 30-year fixed-rate mortgage dipping [4 basis points]," Sam Khater, Freddie Mac’s chief economist, said. "Low mortgage rates combined with [decelerating home price growth](https://info.buyersbrokersonly.com/blog/massachusetts-home-sales-decline-in-november-2018) should get [prospective homebuyers](https://info.buyersbrokersonly.com/guide-to-the-home-buying-process-massachusetts) excited to buy. However, it will be interesting to see how the recent turmoil in the stock market will affect homebuying activity in the coming months.” The 15-year, fixed-rate mortgage averaged 3.99 percent, with an average 0.4 point, down 2 basis points from 4.01 percent the previous week. A year ago, the 15-year note averaged 3.38 percent. The five-year, adjustable-rate mortgage (ARM) loan averaged 3.98 percent, with an average 0.2 point, down from the previous week's 4 percent. Last year, the five-year ARM averaged 3.45 percent. [![The Ultimate Homebuyer Checklist for Massachusetts. Download Your Free Checklist Now. ](https://no-cache.hubspot.com/cta/default/213639/6a07f4cc-bed1-48e8-9413-b397d28052e5.png)](https://cta-redirect.hubspot.com/cta/redirect/213639/6a07f4cc-bed1-48e8-9413-b397d28052e5) Topics: [Mortgages 101](https://info.buyersbrokersonly.com/blog/topic/mortgages-101) [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Finfo.buyersbrokersonly.com%2Fblog%2Fnew-year-brings-lower-mortgage-interest-rates%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Finfo.buyersbrokersonly.com%2Fblog%2Fnew-year-brings-lower-mortgage-interest-rates%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Finfo.buyersbrokersonly.com%2Fblog%2Fnew-year-brings-lower-mortgage-interest-rates%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Finfo.buyersbrokersonly.com%2Fblog%2Fnew-year-brings-lower-mortgage-interest-rates%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=New%20Year%20Brings%20Lower%20Mortgage%20Interest%20Rates) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Finfo.buyersbrokersonly.com%2Fblog%2Fnew-year-brings-lower-mortgage-interest-rates%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Finfo.buyersbrokersonly.com%2Fblog%2Fnew-year-brings-lower-mortgage-interest-rates%3Futm_medium%3Dsocial%26utm_source%3Demail) ### [Blog Home](https://info.buyersbrokersonly.com/blog) ### Subscribe to this Blog ### Learn the Steps to Buying a Home in Massachusetts ### [![The Steps to Buying a Home](https://info.buyersbrokersonly.com/hs/cta/cta/default/213639/25735662-3637-4a46-8885-47ad1de2687d.png)](https://info.buyersbrokersonly.com/hs/cta/cta/redirect/213639/25735662-3637-4a46-8885-47ad1de2687d) ### Search Homes For Sale [![Search the latest home listings. Sign up for property alerts. ](https://info.buyersbrokersonly.com/hs/cta/cta/default/213639/4dbb4a3b-98e1-4dc2-9535-a0b7593b45c5.png)](https://info.buyersbrokersonly.com/hs/cta/cta/redirect/213639/4dbb4a3b-98e1-4dc2-9535-a0b7593b45c5) ### Are You Ready to Learn Some Home-buying Tips?  [![Schedule ](https://info.buyersbrokersonly.com/hs/cta/cta/default/213639/b9db055d-da2a-4719-ba31-1d5f31299e60.png)](https://info.buyersbrokersonly.com/hs/cta/cta/redirect/213639/b9db055d-da2a-4719-ba31-1d5f31299e60) ### Learn About Buyer Agents ### Favorite Topics • [Community Information](https://info.buyersbrokersonly.com/blog/topic/community-information) • [Home-buying Tips](https://info.buyersbrokersonly.com/blog/topic/home-buying-tips) • [Massachusetts Relocation](https://info.buyersbrokersonly.com/blog/topic/massachusetts-relocation) • [Mortgage Tips & News](https://info.buyersbrokersonly.com/blog/topic/mortgage-rates-news) • [Real Estate Market](https://info.buyersbrokersonly.com/blog/topic/real-estate-market) • [Video](https://info.buyersbrokersonly.com/blog/topic/video) ### Most Popular Posts ### **Home Buyer Resources** [Massachusetts Home Buyer Guide](https://info.buyersbrokersonly.com/guide-to-the-home-buying-process-massachusetts) [New Hampshire Home Buyer Guide](https://info.buyersbrokersonly.com/guide-to-the-home-buying-process-in-new-hampshire) [Rhode Island Home Buyer Guide](https://www.buyersbrokersonly.com/buying/how-to-buy-a-home-in-rhode-island) [Wants v. Needs Worksheet](https://info.buyersbrokersonly.com/wants-needs-worksheet) [Home Buyer House Scoring Tool](https://info.buyersbrokersonly.com/homebuyer-house-scoring-tool) [103 Home Buyer Terms Download](https://info.buyersbrokersonly.com/home-buying-terms-for-the-home-buyer) [Greater Boston Home Buyer Blog](https://info.buyersbrokersonly.com/blog) ### **Company** [Home ](https://www.buyersbrokersonly.com/) [About](https://www.buyersbrokersonly.com/about) [Terms of Service](https://www.buyersbrokersonly.com/services) [Privacy Policy](https://www.buyersbrokersonly.com/privacy-policy) [Disclaimer](https://www.buyersbrokersonly.com/disclaimer) [Press Room](https://info.buyersbrokersonly.com/press-room) [Careers](https://www.buyersbrokersonly.com/careers) [Coverage Area](https://www.buyersbrokersonly.com/coverage) [Site Map](https://www.buyersbrokersonly.com/site_map) ### **Contact Us** [Schedule a Consultation](https://info.buyersbrokersonly.com/personal-home-buyer-consultation) Call / Text (978) 835-5906 [info@buyersbrokersonly.com](mailto:info@buyersbrokersonly.com) [Contact Form](https://www.buyersbrokersonly.com/contact) [Our Agents](https://www.buyersbrokersonly.com/brokers) [Reviews](https://www.buyersbrokersonly.com/testimonials) [![Fair Housing Matters to Buyers Brokers Only, LLC](https://info.buyersbrokersonly.com/hs-fs/hubfs/equal-housing-opportunity-logo-1200w.png?width=100&height=107&name=equal-housing-opportunity-logo-1200w.png)](https://naeba.org/naeba-celebrates-fair-housing-month-promotes-homebuyer-protection/)   ### **Popular Searches**  [Acton, MA Homes](https://www.buyersbrokersonly.com/acton-ma-homes-for-sale) [Andover, MA Homes](https://www.buyersbrokersonly.com/andover-ma-homes-for-sale) [Arlington, MA Homes](https://www.buyersbrokersonly.com/arlington-ma-homes-for-sale) [Belmont, MA Homes](https://www.buyersbrokersonly.com/belmont-ma-homes-for-sale) [Burlington, MA Homes](https://www.buyersbrokersonly.com/burlington-ma-homes-for-sale) [Haverhill, MA Homes](https://www.buyersbrokersonly.com/haverhill-ma-homes-for-sale) [Lexington, MA Homes](https://www.buyersbrokersonly.com/lexington-ma-homes-for-sale) [Lynnfield, MA Homes](https://www.buyersbrokersonly.com/lynnfield-ma-homes-for-sale) [Melrose, MA Homes](https://www.buyersbrokersonly.com/melrose-ma-homes-for-sale) [Needham, MA Homes](https://www.buyersbrokersonly.com/needham-ma-homes-for-sale) [North Andover, MA Homes](https://www.buyersbrokersonly.com/north-andover-ma-homes-for-sale) [Salem, NH Homes](https://www.buyersbrokersonly.com/salem-nh-homes-for-sale) [Somerville, MA Homes](https://www.buyersbrokersonly.com/somerville-ma-homes-for-sale) [Walpole, MA Homes](https://www.buyersbrokersonly.com/walpole-ma-homes-for-sale) [Westwood, MA Homes](https://www.buyersbrokersonly.com/westwood-ma-homes-for-sale) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Rich Rosa", "url" : "https://info.buyersbrokersonly.com/blog/author/rich-rosa" }, "dateModified" : "2019-01-06T19:14:49.365Z", "datePublished" : "2019-01-06T19:14:49.000Z", "headline" : "New Year Brings Lower Mortgage Interest Rates", "image" : [ "https://info.buyersbrokersonly.com/hubfs/social-suggested-images/calculator-house-1-3.jpg" ], "mainEntityOfPage" : { "@id" : "https://info.buyersbrokersonly.com/blog/new-year-brings-lower-mortgage-interest-rates", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://info.buyersbrokersonly.com/hubfs/2023%20BBO%20Logo%20800x170.png" }, "name" : "Buyers Brokers Only, LLC" } } ``` ```json { "@context" : "https://schema.org", "@type" : "BreadcrumbList", "about" : [ { "@type" : "Thing", "name" : "Boston Real Estate" }, { "@type" : "Thing", "name" : "Home Buying Tips" } ], "description" : "Massachusetts Home Buyer Guide provides first-time homebuyers and those experienced in purchasing real estate with tips, advice, and news.", "image" : { "@type" : "ImageObject", "url" : "https://info.buyersbrokersonly.com/image.jpg" }, "inLanguage" : "en-us", "isPartOf" : { "@type" : "WebSite", "name" : "Buyers Brokers Only", "url" : "https://info.buyersbrokersonly.com" }, "itemListElement" : [ { "@type" : "ListItem", "item" : "https://info.buyersbrokersonly.com", "name" : "Home", "position" : 1 }, { "@type" : "ListItem", "item" : "https://info.buyersbrokersonly.com/blog", "name" : "Blog", "position" : 2 } ], "keywords" : [ "Massachusetts Home Buyer Guide", "time Homebuyer Tips", "Advice MA" ], "mainEntityOfPage" : "https://info.buyersbrokersonly.com/blog", "mentions" : [ { "@type" : "Thing", "name" : "Massachusetts Housing" }, { "@type" : "Thing", "name" : "Real Estate Market" } ], "url" : "https://info.buyersbrokersonly.com/blog" } ```