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Buying a house is a pretty big decision, but that doesn’t mean it has to be stressful. Our loan officers are some of the best around - they will guide you, answer your questions and get you into your home on your own terms. You can feel secure knowing that your loan will be underwritten by an experienced team of professionals that are local to our community.

FIXED RATE MORTGAGES

For homeowners seeking a predictable loan payment that does not fluctuate with interest rate changes and plan to stay in their home awhile. We offer a variety of different terms to meet your individual needs.
  • Interest rate stays the same for the life of the loan
  • A longer term loan allows you to establish a lower monthly payment
  • A shorter term loan allows you to pay off your loan faster

Fixed Rate Mortgage Rates

Effective as of: March 5, 2021

TERM DESCRIPTION RATE WITH 25% DOWN POINTS APR WITH 25% DOWN # OF MONTHLY PAYMENTS MONTHLY PAYMENT PER £1,000 BORROWED
30 Year Fixed Rate Conforming up to £548,250 3.500% 0.000 3.541% 360 £4.49
20 Year Fixed Rate Conforming up to £548,250 3.125% 0.000 3.178% 240 £5.61
15 Year Fixed Rate Conforming up to £548,250 2.750% 0.000 2.816% 180 £6.79
10 Year Fixed Rate Conforming up to £548,250 2.625% 0.000 2.722% 120 £9.48
30 Year Fixed Rate Jumbo - Purchase Special From £548,251– £2,000,000 2.875% 0.000 2.902% 360 £4.15
30 Year Fixed Rate Jumbo From £548,251– £2,000,000 3.125% 0.000 3.153% 360 £4.28
20 Year Fixed Rate Jumbo From £548,251– £2,000,000 3.000% 0.000 3.039% 240 £5.55
15 Year Fixed Rate Jumbo From £548,251– £2,000,000 2.625% 0.000 2.672% 180 £6.73
10 Year Fixed Rate Jumbo From £548,251– £2,000,000 2.625% 0.000 2.695% 120 £9.48

ADJUSTABLE RATE MORTGAGES (ARM)

This type of mortgage is best suited for homeowners who are looking to maximize an initial lower monthly payment or plan to move in a few years.
  • Interest rate and monthly principal and interest payment stays the same for an initial period of time (such as 5, 7, or 10 years) then your payment will move up or down annually as interest rates fluctuate (the variable portion)
  • The interest rate at the beginning of the loan may be lower than a fixed rate mortgage
Fixed Rate Mortgage Rates

Effective as of: March 5, 2021

TERM DESCRIPTION RATE WITH 25% DOWN POINTS APR WITH 25% DOWN # OF MONTHLY PAYMENTS MONTHLY PAYMENT PER £1,000 BORROWED
30 Year Fixed Rate Conforming up to £548,250 3.500% 0.000 3.541% 360 £4.49
20 Year Fixed Rate Conforming up to £548,250 3.125% 0.000 3.178% 240 £5.61
15 Year Fixed Rate Conforming up to £548,250 2.750% 0.000 2.816% 180 £6.79
10 Year Fixed Rate Conforming up to £548,250 2.625% 0.000 2.722% 120 £9.48
30 Year Fixed Rate Jumbo - Purchase Special From £548,251– £2,000,000 2.875% 0.000 2.902% 360 £4.15
30 Year Fixed Rate Jumbo From £548,251– £2,000,000 3.125% 0.000 3.153% 360 £4.28
20 Year Fixed Rate Jumbo From £548,251– £2,000,000 3.000% 0.000 3.039% 240 £5.55
15 Year Fixed Rate Jumbo From £548,251– £2,000,000 2.625% 0.000 2.672% 180 £6.73
10 Year Fixed Rate Jumbo From £548,251– £2,000,000 2.625% 0.000 2.695% 120 £9.48

FIRST TIME HOME BUYER PROGRAMS

We offer both financing options and educational assistance to make the process easy for first time home buyers.
  • Variety of programs offered, including those for first time home buyers with low to moderate incomes
  • Massachusetts Housing Partnership ONE Mortgage and Mass Housing Finance Agency mortgages include low fixed-rate financing for those who qualify

OTHER MORTGAGE PROGRAMS

Sometimes customers have unique borrowing needs; our loan officers are equipped with additional programs and have the expertise to help you find the solution that best fits your needs.
  • Affordable Home Loan Programs
  • Construction Loans
  • Combination Mortgages
  • Up to 100% Financing with no Private Mortgage Insurance (PMI)
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