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At Cambridge Trust, you’ll work directly with a senior lender who will help you secure the financing most appropriate for your unique needs.

First Time Homebuyer Programs

We are committed to helping low to moderate income individuals and families within our communities attain homeownership. Our senior lenders will work closely with you to help you take advantage of specialized mortgage and refinance programs that may reduce your interest rate and monthly payments.
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Jumbo Mortgage

From a new primary residence to a summer vacation home, our expert team of locally based lenders will work closely with you, and your other advisors, to customize a mortgage solution for your unique borrowing requirements. This includes making sure the option we create takes advantage of tax opportunities, maximizes cash flow and liquidity, and is in sync with your current and future investment objectives.
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Strategies to Leverage Assets in a Hot Housing Market

Securing a line of credit using existing assets, including your investment portfolio, offers many benefits for established, higher net worth homebuyers
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Our Team of Mortgage Specialists

Start QuoteWe understand that purchasing a home is a deeply personal and emotional experience. Our clients trust us to guide them to the financial solution that is unique to their needs.End Quote

- John J. Sullivan, Senior Vice President, Director of Consumer Lending

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Mortgage Pre-Approval

Looking for a new home? Our mortgage pre-approval can save time and give you an advantage when making an offer to purchase.
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As a portfolio lender, we have greater flexibility to create customized financing solutions tailored to each individual client as well as streamline the overall process.

View Our Mortgage Rates

If you require a higher loan amount, we specialize in jumbo and super-jumbo mortgages, and can tailor a solution to maximize your cash and investment objectives.

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Is your income bonus or commission-based? With an interest-only loan, you can enjoy lower monthly payments while managing the timing of principal pay-downs.

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If you expect to own your home for many years, a fixed-rate mortgage will keep the interest rate and monthly payment constant for the life of your loan.

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If you don’t plan to stay in your home long or need more financial flexibility, your lending specialist may recommend an adjustable-rate mortgage (ARM).

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Enjoy the flexibility of making a low down payment with our fixed-rate mortgages.

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Get in touch

For more information about our Residential Lending solutions, call:



Estimate payments and compare mortgages to help choose your best borrowing option.

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Save time and know how much home you can afford before you shop to make your offer as responsible and competitive as possible.

Get Pre-Approved

Finding the right mortgage is important, especially if it’s your first home. That’s why Cambridge Trust offers a number of financing options to help more individuals and families purchase their first home. 

The Cambridge Trust Advantage

  • Experienced lenders who understand the importance of selecting the right loan program for you
  • Your dedicated lender will guide you through the process from application to closing
  • Streamlined application and approval process due to local decision making
  • Personalized service for the life of the loan
  • Competitive rates and flexible terms

Classes for First Time Homebuyers

Through our partnerships with local nonprofit agencies, housing authorities and community development corporations, our experienced lenders will provide you with valuable advice and guidance to help make your home buying process go as smoothly as possible.

  • How to maintain creditworthiness
  • How to budget and plan for a home purchase
  • How to select the right mortgage program for you and your family
  • How to access down payment and closing cost assistance programs

Start QuoteYour mortgage team is amazing! Great communication, super-fast response time, and absolute transparency throughout. I will recommend Cambridge Trust to all my friends searching for their first home.End Quote

- Danielle - Cambridge Trust mortgage client

A home equity line or loan is a smart way to finance improvement projects while leaving your other financial assets undisturbed.

To reduce your existing mortgage rate or term, or to tap into the equity in your home, we have several options available.

Find out how much refinancing your mortgage can reduce your interest rate, your monthly payment or both.

Cash Out Refinance

In today’s highly competitive real estate market, you may have to make a cash offer on the home you want so that you don’t lose it to another bidder. Our Cash Out Refinance option can be a simple, smart way to replenish that cash.

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