On Tuesday, November 24, an update to your Business Mobile Banking App will be available for you to download. This update contains important security features that need to be established. If you have automatic updates enabled on your iPhone®, Tablet, or Android device then no further action is required. If you do not have automatic updates enabled, please download the updated Cambridge Savings Bank Business Banking App from the App Store® or get it on Google PlayTM. 
If you have any questions, commercial clients please call Client Services at 617.441.7051 Monday through Friday (excluding Federal Holidays). 8:00am – 5:30pm. Small Business clients, please call the Customer Contact Center at 888.418.5626 Monday through Friday (excluding Federal Holidays) 9:00am-6:00pm or on Saturdays from 9:00am to 3:00pm.
 

Mortgages

We have several

types of mortgages.

Fixed. Variable. Yours.

Buying a house is a pretty big decision, but that doesn’t mean it has to be stressful. Our loan officers are some of the best around - they will guide you, answer your questions and get you into your home on your own terms. You can feel secure knowing that your loan will be underwritten by an experienced team of professionals that are local to our community.

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  • Adjustable Rate Mortgages (ARM)7

    This type of mortgage is best suited for homeowners who are looking to maximize an initial lower monthly payment or plan to move in a few years.

    • Interest rate and monthly principal and interest payment stays the same for an initial period of time (such as 5, 7, or 10 years) then your payment will move up or down annually as interest rates fluctuate (the variable portion)

    • The interest rate at the beginning of the loan may be lower than a fixed rate mortgage

    See Full Terms & Disclosures
    Adjustable Rate Mortgages (ARM)7
    Effective as of: November 27, 2020
    PRODUCT DESCRIPTION TERM INITIAL INTEREST RATE FULLY INDEXED RATE POINTS APR11 MONTHLY PAYMENT PER $1,000 BORROWED
    5/1 ARM Conforming8 Conforming up to $510,400 30 years 2.875% 2.875% 0.000 2.912% 60 payments of $4.15
    300 payments of $4.15
    5/1 ARM Jumbo8,9 From $510,401 to $2,000,000 30 years 2.875% 2.875% 0.000 2.898% 60 payments of $4.15
    300 payments of $4.15
    7/1 ARM Conforming8 Conforming up to $510,400 30 years 3.000% 2.875% 0.000 2.970% 84 payments of $4.22
    276 payments of $4.16
    7/1 ARM - Purchase Special8,10 up to $2,000,000 30 years 2.875% 2.875% 0.000 2.903% 84 payments of $4.15
    276 payments of $4.15
    7/1 ARM Jumbo8,9 From $510,401 to $2,000,000 30 years 3.000% 2.875% 0.000 2.956% 84 payments of $4.22
    276 payments of $4.16
    10/1 ARM Conforming8 Conforming up to $510,400 30 years 3.250% 2.875% 0.000 3.141% 120 payments of $4.35
    240 payments of $4.21
    10/1 ARM - Purchase Special8,10 up to $2,000,000 30 years 2.990% 2.875% 0.000 2.974% 120 payments of $4.21
    240 payments of $4.17
    10/1 ARM Jumbo8,9 From $510,401 to $2,000,000 30 years 3.250% 2.875% 0.000 3.127% 120 payments of $4.35
    240 payments of $4.21

    Payment amounts on the above products do not include taxes and insurance. Your payments may be greater.

  • First Time Home Buyer Programs

    We offer both financing options and educational assistance to make the process easy for first time home buyers.

    • Variety of programs offered, including those for first time home buyers with low to moderate incomes

    • Massachusetts Housing Partnership ONE Mortgage and Mass Housing Finance Agency mortgages include low fixed-rate financing for those who qualify

    Learn More
  • Other Mortgage Programs

    Sometimes customers have unique borrowing needs; our loan officers are equipped with additional programs and have the expertise to help you find the solution that best fits your needs.

    • Affordable Home Loan Programs

    • Construction Loans

    • Combination Mortgages

    • Up to 100% Financing with no Private Mortgage Insurance (PMI)