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For more information about buying or refinancing a home, contact a member of our team or apply online, anytime.

Adjustable Rate First Mortgages (ARM)

ProgramTermInitial Interest RatePointsAPR*Current Indexed RateMonthsMonthly payments per $1,000 borrowed.
3/3 ARM30 Years6.250%06.907%4.67%Months 1 - 36$6.16
Months 37 - 360$6.70
5/5 ARM30 Years6.500%06.809%4.51%Months 1 - 60$6.32
Months 61 - 360$6.62
7/3 ARM30 Years6.750%06.939%4.67%Months 1 - 84$6.49
Months 85 - 360$6.70
*Interest Rates and Annual Percentage Rate (APR) effective 04/16/24 and subject to change at any time. Rates shown are based on a minimum down payment of 20% on an owner-occupied 1 to 4 family residence. Adjustable Rate Mortgage interest rate and APR may increase after consummation. Margin: 2.500% Caps: 2.000% at each adjustment; 5.000% for life of loan.

Monthly payments during the initial fixed period are based on the initial rate, remaining payments expressed above are estimated based on the Current Index and the Margin, rounded to the nearest 1/8%. Your actual remaining monthly payments will be based on the then Current Index plus Margin at any adjustment date, rounded to the nearest 1/8%.

The monthly payment shown includes principal and interest. Your actual payment will be greater if an escrow account for taxes and insurance is established or required. Subject to credit approval.

Fixed Rate First Mortgages

ProductInterest RatePointsAPR**Number of PaymentsPayments per $1,00 borrowed
30 Year Fixed7.375%07.386%360 Payments$6.91
20 Year Fixed7.375%07.389%240 Payments$7.98
15 Year Fixed7.000%07.017%180 Payments$8.99
10 Year Fixed6.500%06.524%120 Payments$11.35
**Interest Rates and Annual Percentage Rate effective 04/16/24 and subject to change at any time. Rates shown are based on a minimum down payment of 20% on an owner-occupied 1 to 4 family residence. The monthly payment shown includes principal and interest. Your actual payment will be greater if an escrow account for taxes and insurance is established or required. Subject to credit approval. Loan limits vary by location. Interest rates vary based on the specific loan request, property type, credit score, etc. The maximum loan amount is $766,550. For loans above this amount, please contact a Mortgage Professional.

With the exception of the 10 Year Fixed, conforming mortgages meet the loan limits and underwriting standards of Freddie Mac, and are eligible for sale to the agency.

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Winchester Co-operative Bank
Banking Your Way

Founded in 1893, Winchester Co-operative Bank is a mutually owned, state-chartered, co-operative bank dedicated to meeting the financial needs of individuals, families, and businesses in Winchester, Woburn, and surrounding communities.

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19 Church Street
Winchester, MA 01890
(781) 729-3620

Routing # 211371573

Equal Housing Lender

Member FDIC
Member DIF
NMLS# 466036

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