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.

Type	Rate	APR	Payment per $1,000 borrowed	Caps	Margin
30-year Fixed	3.500%¹	3.551%	$4.49	N/A	N/A
30-year Fixed Jumbo	4.000%	4.013%	$4.77	N/A	N/A
15-year Fixed	3.000%	3.091%	$6.91	N/A	N/A
15-year Fixed Jumbo	3.000%	3.022%	$6.91	N/A	N/A
10-year Fixed	2.750%	2.884%	$9.54	N/A	N/A
3/1 ARM	2.625%²	3.066%	Year 1-3, rate 2.625%, 36 payments of $4.02; Year 4-30, rate 3.125%, 324 payments of $4.26	2/7	3.00%
5/1 ARM	2.625%²	3.003%	Year 1-5, rate 2.625%, 60 payments of $4.02; Year 6-30, rate 3.125%, 300 payments of $4.24	2/7	3.00%
7/1 ARM	2.750%²	3.003%	Year 1-7, rate 2.750%, 84 payments of $4.08; Year 8-30, rate 3.125%, 276 payments of $4.24	2/7	3.00%

¹ This 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.

² Introductory rate is discounted during the first 3, 5, and 7 years of ARM loans, respectively. Payments are based on a 30 year repayment schedule. Shorter terms for ARM mortgages are also available.

³ Introductory rate is at a premium during the first 3, 5, and 7 years of ARM loans, respectively. Payments are based on a 30 year repayment schedule. Shorter terms for ARM mortgages are also available

Payment examples based on current index and margin and a $100,000 loan. Jumbo payment examples based on a $417,001 loan.
Property insurance is required.
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, and a $500.00 Loan Processing Fee.
There is a 60-day interest rate lock available.

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

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.

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