Our experienced staff will guide you through every step of the mortgage process - and answer your questions long after closing. Whatever your needs or your budget, Cambridge Trust will help you find the mortgage that's right for you. Our fixed, adjustable, and jumbo mortgages offer you competitive rates, flexible terms, and personal service. And with our online application, you can apply anytime that's convenient for you.

Apply online

Applying for a mortgage with Cambridge Trust is quick and easy. Whether you’re purchasing a new home or refinancing an existing mortgage, the application process only takes about 20 minutes. Simply click below to get started.

Compare your options

Not sure which loan is best for you? Get a personalized quote and see all of your mortgage options. With our customizable tool you get a complete look at all of your choices to help you find the best loan for your needs.

Get answers to your questions

If you would like to talk through your options or have any additional questions, please contact us by clicking below, calling 617-876-5500, or visiting one of our branches. Our qualified loan officers are here to assist you in every step of the process.

Low Down Payment Mortgages

With our low down payment mortgage options, you have the flexibility to put as little as 5% down on 10, 15, 20, and 30-year fixed rate mortgages.*


If you are shopping for a new home, a mortgage pre-approval can save time and give you an advantage when you make an offer to purchase. To learn how we can help you, email or call Sal Sagarese at
617-441-1406 or visit one of our branches for assistance.

Fixed-Rate Mortgages

Fixed-rate mortgages can be ideal if you expect to own the property for many years. A fixed-rate mortgage holds the interest rate and monthly payment constant for the life of your loan so you always know exactly what your monthly payments will be.

Adjustable-Rate Mortgages

If you do not plan on staying in your home for a long period of time or need flexibility to meet your current financial situation, you may want to consider an adjustable-rate mortgage (ARM). With this option, you can take advantage of a fixed interest rate for a shorter period of time. After the initial period ends, the rate is adjusted every year, but will never exceed a pre-determined rate cap.

Jumbo Mortgages

Jumbo mortgages are available for customers who want a higher loan amount (more than $417,000) at competitive rates. Jumbo financing options include fixed- and adjustable-rate mortgages, with a range of terms to accommodate immediate and long-term financial plans.

Refinancing Options

If you want to refinance your existing mortgage — to reduce your interest rate or term, or tap into the equity in your home — we have several options available. There is no prepayment penalty for Cambridge Trust mortgage customers. Down the road if the time is right to refinance, we're there for you.

First Time Buyers Program

Offered in cooperation with the Massachusetts Housing Partnership Fund, the Cambridge Trust First Time Home Buyers program is for first time home buyers who have income within certain limits and would otherwise have difficulty qualifying for a mortgage. This program is limited to owner-occupied, 1-3 family houses, and condominiums. Click here to check current rates.


Based on a 15/1 ARM of 3.625%, with an APR of 3.539%, zero points, and a 20% down payment, the mortgage would be repayable in 360 monthly payments. Years 1-15, rate 3.625%, 180 payments of $4.56 per $1,000 borrowed. Year 16-30, rate 2.875%, 180 payments of $4.33 per $1,000 borrowed. The payment will not include taxes and insurance; your actual payment will be greater. Subject to credit approval. Rate may change without prior notice.


Based on a 10-year fixed rate of 2.875%, with an APR of 2.981%, zero points, and a 20% down payment, the mortgage would be repayable in 120 monthly payments of $9.60 per $1,000 borrowed. The payment will not include taxes and insurance; your actual payment will be greater. Subject to credit approval. Rate may change without prior notice.


* Mortgages with down payments as low as 5% are available for 10, 15, 20, and 30-year fixed rate mortgages, excluding Jumbo mortgages. Private Mortgage Insurance is required on mortgages with a down payment of less than 20%.


Cambridge Trust Company's lending area includes Middlesex, Suffolk, Norfolk, Essex, Plymouth, Barnstable, Dukes, Nantucket, and Worcester counties in Massachusetts and Belknap, Carroll, Hillsborough, Merrimack, Rockingham, and Strafford in New Hampshire. NMLS Unique Identifier #697495.




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