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, refinancing an existing mortgage, or requesting a mortgage preapproval, 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 to see your mortgage options. With our customizable tool you get a complete look at your choices to help you find the best loan for your needs.

Get answers

If you would like to talk through your options, want information on a specific lending product, or have any additional questions, please contact us by clicking below, calling 617-441-1406, or visiting one of our branches. Our mortgage originators 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 3% 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. Apply online for free and one of our mortgage originators will follow up with you to review your pre-approval and answer any questions you may have. To learn how we can help you, call Sal Sagarese at 617-441-1406, email, 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 predetermined rate cap.

Jumbo Mortgages

Jumbo and super-size mortgages are available for customers with a higher loan amount at competitive rates. Financing options for jumbo and super-size mortgages 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

In cooperation with multiple programs, including the Massachusetts Housing Finance Agency, we offer different options for first time home buyers whose income is within certain limits and would otherwise have difficulty qualifying for a mortgage. Participants may be eligible for lower down payments and will always have access to our experienced bankers. This program is limited to owner-occupied, 1-4 family houses, and condominiums.

Interest-Only Loans

Our interest-only products are a great option for both purchases and refinancing, offering competitive rates. To find out if an interest-only loan is right for you, call Sal Sagarese at 617-441-1406, email, or stop by a branch.

Non-Owner Occupied Properties

Have non-owner occupied properties? Our Investment Property Programs offer competitive rates for both conforming and nonconforming products. Call Sal Sagarese at 617-441-1406, email, or stop by a branch for more information.


* Mortgages with down payments as low as 3% 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. Cambridge Trust Company's NMLS Unique Identifier #697495.




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