Mortgage Rates

We have what you need.

Ready to buy, build, or refinance a home? We’re ready to help make it happen for you with a full line of home mortgages to meet virtually any need or budget. We offer the same low rates on jumbo mortgages, local servicing, and helpful guidance every step of the way.

The Village Bank (NMLS #: 408536) offers home loans in Massachusetts only.

Fixed Rate Mortgages – Owner Occupied

Program

Term

Interest Rate

Points

APR*

Monthly Payments
per $1,000 borrowed

10-Year Fixed

10 years

2.375%

0

2.481%

$9.37

15-Year Fixed

15 years

2.625%

0

2.699%

$6.73

20-Year Fixed

20 years

2.875%

0

2.934%

$5.48

30-Year Fixed  

30 years

3.250%

3.294%

$5.48

*Annual Percentage Rate (APR) effective April 14, 2021 and subject to change without notice.

Fixed Rate Mortgages - Minimum down payment 20%. Payments noted do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Property insurance is required. Subject to credit approval.

Adjustable Rate Mortgages – Owner Occupied

Program

Term

Interest Rate

Points

APR*

Monthly Payments
per $1,000 borrowed

5/1 ARM

30 years

2.750%

0

2.955%

Months 1 to 60

$4.08

Months 61 to 359

$4.20

Month 360

$4.19

7/1 ARM

30 years

2.875%

0

2.985%

Months 1 to 84

$4.15

Months 85 to 275

$4.20

Months 276 to 360

$4.22

*Annual Percentage Rate (APR) effective April 14, 2021 and subject to change without notice.

Adjustable Rate Mortgages – Our adjustable rate mortgages offer an initial interest rate that is fixed for either a 5 year or 7 year period. After that period, and every year thereafter, the interest rate can adjust based on current market conditions. Each adjustment has a 2% change cap and a 6% lifetime change cap. Minimum down payment 20%. Payments noted do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater. Property insurance is required. Subject to credit approval.

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For more information or answers to any questions, please visit our Customer Care Center, use our Contact Form, or call us at (617) 969-4300.

Mortgage Rates

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