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Mortgage Options

Cambridge Trust Company offers a variety of loan programs to meet your needs.

Fixed Rate Mortgage
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 (ARM)
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.

Low Down Payment Mortgages
With a variety of mortgage options, you have the flexibility of making a low down payment on our fixed rate mortgages.

VA Mortgages 
Cambridge Trust Company is committed to helping our heroes achieve their dream of homeownership by giving it our 100%.  We honor their service by making homeownership easier than ever.  We are proud to offer 100% financing and cash out as a way to give back to all our veterans and their families.

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.

Non-Owner Occupied Properties
Have non-owner occupied properties? Our Investment Property Programs offer competitive rates for both conforming and nonconforming products.

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Cambridge Trust Company
1336 Massachusetts Avenue, Cambridge, MA  02138
Direct:  (617) 441-1406
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