Mortgage Rates

19 Church Street
Winchester, MA 01890

(781) 729-3620 Contact Us

Still want to have personal assistance?

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.

Product Rate APR Points
30 Year Fixed Rate 4.625% 4.628% 0.000%
15 Year Fixed Rate 4.125% 4.130% 0.000%
First Mortgage 5/5 Adjustable Rate Owner 3.875% 4.743% 0.000%

30 Year Fixed Rate

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. By choosing a 30 year fixed rate loan, you will have the lowest monthly payment of all the fixed rate loans we offer.

15 Year Fixed Rate

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. Choose a 15 year fixed rate loan if you're comfortable with a higher payment and you will have the benefit of substantial interest savings.

First Mortgage 5/5 Adjustable Rate Owner

An adjustable rate mortgage has a monthly payment that may change over the term of the loan. With our 5 Year Adjustable Rate Mortgage, your payment won't change for the first five years of the loan and then can change every five years based on market conditions, subject to the specific terms of the loan.

Loan Term 360 Months The period of time for the loan to be repaid.
Interest Only Term N/A During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period 60 Months The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period 60 Months After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap 2.0000% The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap 2.0000% The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate Initial Rate + 5.0000% The maximum interest rate you may be required to pay.
Index Monthly Five Year Constant Maturity Treasury (CMT) A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indicies are Treasury Bills, Treasury Securities, London Interbank Offering Rates (LIBOR) and the Cost of Funds Index (COFI).
Current Index Value 2.7500% The current value of the Index - this value is subject to change without notice.
Margin 2.5000% The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).