Mortgage Rates

Rates effective as of

1-4 owner occupied residences only. Rates may change without prior notice. Subject to credit approval. Payments do not include taxes and/or insurance. Actual payment may be greater.

Fixed Rate Mortgages	Rate	APR	Payment per $1000 borrowed	Caps	Margin
30-year Fixed	3.625%¹	3.677%	$4.56	N/A	N/A
20-year Fixed	3.500%¹	3.572%	$5.80	N/A	N/A
15-year Fixed	2.750%¹	2.841%	$6.79	N/A	N/A
10-year Fixed	2.750%	2.883%	$9.54	N/A	N/A

¹This rate is available for loans on single family primary residences, rate or term refinance (no cash out) or purchase and requires a loan to value of 75% or less and a FICO Score of 740 or greater.
Other products and rates are available. Maximum loan to value of 80%. Ask us for information.

Jumbo Fixed Rate Mortgages	Rate	APR	Payment per $1000 borrowed	Caps	Margin
30-year Fixed Jumbo	3.875%	3.888%	$4.70	N/A	N/A
20-year Fixed Jumbo	3.750%	3.767%	$5.93	N/A	N/A
15-year Fixed Jumbo	3.000%	3.022%	$6.91	N/A	N/A
10-year Fixed Jumbo	2.750%	2.782%	$9.54	N/A	N/A

JUMBO rate applies to 30-year, 20-year, 15-year, and 10-year fixed rate loans over $417,000 (for single family residences).

Adjustable Rate Mortgages	Rate	APR	Payment per $1000 borrowed	Caps	Margin
3/1 ARM	2.500%²	2.844%	Year 1-3, rate 2.500%, 36 payments of $3.95; Year 4-30, rate 2.875%, 324 payments of $4.13	2/6	2.750%
5/1 ARM	2.625%²	2.839%	Year 1-5, rate 2.625%, 60 payments of $4.02; Year 6-30, rate 2.875%, 300 payments of $4.13	2/6	2.750%
7/1 ARM	2.875%	2.925%	Year 1-7, rate 2.875%, 84 payments of $4.15; Year 8-30, rate 2.875%, 276 payments of $4.15	2/6	2.750%
10/1 ARM	3.000%³	3.000%	Year 1-10, rate 3.000%, 120 payments of $4.22; Year 11-30, rate 2.875%, 240 payments of $4.17	2/6	2.750%

²Introductory rate is discounted during the first 3, 5, 7, and 10 years of ARM loans, respectively. Payments are based on a 30-year repayment schedule.

³Introductory rate is at a premium during the first 3, 5, 7, and 10 years of ARM loans, respectively. Payments are based on a 30-year repayment schedule.
Rate may increase after consummation on all Adjustable Rate Mortgages.

Annual Percentage Rate (APR) includes a prepaid finance charge of $82.00 for a Tax Service Fee, a prepaid finance charge of $9.00 for a Flood Certification with life of loan, a $45.00 courier fee and a $500.00 Loan Processing Fee. Annual Percentage Rate (APR) on Fixed Rate and Adjustable Rate based upon a $100,000 loan amount. Annual Percentage Rate (APR) for Jumbo Fixed Rate based upon $417,001 loan amount.
Property insurance is required.
There is a 60-day interest rate lock available.

First Time Home Buyers Program is also available for properties located in Cambridge.
Cambridge Trust Company's lending area includes Middlesex, Suffolk, Norfolk, Essex, Plymouth, Barnstable, Dukes, Nantucket and Worcester counties.