Mortgage Rates

19 Church Street
Winchester, MA 01890

(781) 729-3620 Contact Us

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You can call or e-mail one of our Mortgage Professionals to answer any of your questions or to ask for advice.

Free Pre-approvals

We offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Loan Officer is always just a call or e-mail away.

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Adjustable Rate Mortgages (ARM)

Product Initial Rate APR * Points Initial Fixed Period Adjustment Period Monthly Payment per $1,000 Borrowed **
3/3 ARM 3.500% 5.580% 0 36 Months 36 Months $4.49 for the first 36 months; then $5.58 for the remaining 324 months.
5/5 ARM 4.000% 5.346% 0 60 Months 60 Months $4.77 for the first 60 months; then $5.83 for the remaining 300 months.
7/3 ARM 4.250% 5.362% 0 84 Months 36 Months $4.92 for the first 84 months; then $5.54 for the remaining 276 months

* APR = Annual Percentage Rate and is subject to change at any time.

Current Index: 3/3 ARM - 4.030%; 5/5 ARM - 3.810%; 7/3 ARM - 4.030%
Margin: 2.500%
Caps: 2.000% at each adjustment; 5.000% for life of loan

Rates shown are based on a minimum down payment of 20% on an owner occupied 1 to 4 family residence. Maximum loan repayment term is 30 years.

Adjustable Rate Mortgage interest rate and APR may increase after consummation.

** 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.

Fixed Rate Mortgages

Product Interest Rate APR * Points Monthly Payment per $1,000 Borrowed Number of Months
30 Year ** 6.375% 6.385% 0 $6.24 360
20 Year ** 6.125% 6.138% 0 $7.24 240
15 Year** 5.750% 5.767% 0 $8.30 180
10 Year 3.990% 4.013% 0 $10.12 120

* APR = Annual Percentage Rate and is subject to change at any time.

** Conforming mortgages meet the loan limits and underwriting standards of Freddie Mac, and are eligible for sale to the agency.  Loan limits vary by location.  Interest rates vary based on the specific loan request, property type, credit score, etc.  The maximum loan amount is $647,200.00.  For loans above this amount, please contact a Mortgage Professional.                                                                                                                 

Rates shown are based on a minimum down payment of 20% on an owner-occupied 1-4 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.