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Mortgage rates

From traditional mortgages to jumbo mortgages to special home ownership programs, Webster Five has the solution to meet your homebuying needs. With our competitive rates and outstanding one-on-one service, we can help you buy, refinance or improve your home. Learn more about our personalized mortgage solutions.

Our team of lenders are local and knowledgeable; contact one of them today to learn more!

Fixed mortgage rates
TermInterest RateAnnual Percentage Rate (APR)PointsMonthly Payment Per $1,000
Payments per thousand do not include
taxes and insurance. Your actual
monthly payment will be higher.

30 Year
20 Year
15 Year
10 Year
30 Year Jumbo
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*Rates are for Owner Occupied Single Family Primary Residences only. Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $766,550 for the contiguous states, District of Columbia, and Puerto Rico or below $1,149,825 for Alaska, Guam, Hawaii and the Virgin Islands), sixty (60) day rate locks and are calculated based on a loan amount of $350,000 with closing costs of $4,000, and a property located in Worcester County. Conforming loan limits may vary based on state and county. Please contact a mortgage loan originator for your specific county conforming loan limit. Your actual APR may be different depending upon these factors. Adjustments to rate based on credit score, Loan To Value, Debt to Income ratio and other transaction details may apply.

**Rates are for Owner Occupied Single Family Primary Residences only. Unless otherwise indicated, these APR calculations are based on the following: Jumbo loans (whose minimum loan amount is above the conforming loan limit $766,550 for the contiguous states, District of Columbia, and Puerto Rico or above $1,149,825 for Alaska, Guam, Hawaii and the Virgin Islands), sixty (60) day rate locks and are calculated based on a loan amount of $800,000 with closing costs of $4,000, and a property located in Worcester County. Jumbo loan limits may vary based on state and county. Please contact a mortgage loan originator for your specific county jumbo loan limit. . Your actual APR may be different depending upon these factors. Adjustments to rate based on credit score, LTV and other transaction details may apply.


Private Mortgage Insurance (PMI) required if the down payment is less than 20%. All loans are subject to credit approval.

Annual Percentage Rates are effective as of June 24, 2024
Rates subject to change at any time.

Home equity rates

Home Equity/Second Mortgage Loan
Minimum/Maximum Loan AmountLoan-to-Value (LTV)Term APRMonthly Payment per $1,000 Borrowed
Second lien position only
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*The Annual Percentage Rates (APR) reflects a .25% discount for automatic payment from a Webster Five account. An option is available not to choose automatic payments which will increase the rate by .25%. Other rates, terms and conditions may apply. An appraisal is mandatory for loan requests over $250,000. The Home Equity is only available on owner-occupied single-family homes, 2-4 family homes and condominiums. Please consult your tax advisor regarding the deductibility of interest. Rates and terms are subject to change without prior notice.
Home Equity Plus Loan
Minimum/Maximum Loan AmountLoan-to-Value (LTV)Term APRMonthly Payment per $1,000 Borrowed
Minimum: $10,000

Maximum: $200,000
apply online
*Home Equity Loans can only be in the second lien position. The Annual Percentage Rates (APR) reflects a .25% discount for automatic payment from a Webster Five account. An option is available not to choose automatic payments which will increase the rate by .25%. Other rates, terms and conditions may apply. An appraisal is mandatory for loan requests over $250,000. The Home Equity Plus is only available on owner-occupied single-family homes, duplexes, townhouses and condominiums. Please consult your tax advisor regarding the deductibility of interest. Rates and terms are subject to change without prior notice. Annual Percentage Rates are effective as of June 24, 2024.
Home Equity Line of Credit
Minimum/Maximum Loan AmountLoan-to-Value (LTV)APR
Minimum: $25,000

Maximum: based on equity and qualifying ratios
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*Variable APR is based on the prime rate as published in the Wall Street Journal “Prime”. As of June 24, 2024, Prime rate is 8.50%. Prime may vary. Home Equity Line of Credit products have a ceiling of 18% and a floor of 3.99%. To open a line of credit there may be certain fees paid to third parties at closing, unless otherwise noted, these fees generally total between $0 and $1,464.00. There is no annual fee. You must carry insurance on the property that secures the plan. A termination fee of $350 will be charged if the line is closed out within the first three years. Other fees may apply. The Flexline is only available on owner-occupied single-family homes, 2-4 family homes and condominiums. Please consult your tax advisor regarding the deductibility of interest. Rates and terms are subject to change without prior notice.
Home Equity Plus Line of Credit
Minimum/Maximum Loan AmountLoan-to-Value (LTV)APR
Minimum: $25,000
Maximum: $200,000
apply online
*Variable APR is based on prime rate as published in the Wall Street Journal “Prime”, plus a margin and will vary with Prime. As of June 24, 2024, Prime rate is 8.50%. Home Equity Line of Credit products have a ceiling of 18% and a floor of 3.99%. To open a line of credit there may be certain fees paid to third parties at closing, unless otherwise noted, these fees generally total between $0 and $1,464.00. There is no annual fee. You must carry insurance on the property that secures the plan. A termination fee of $350 will be charged if the line is closed out within the first three years. Other fees may apply. The Home Equity Plus is only available on owner-occupied single-family homes, duplexes, townhouses and condominiums.

Personal loan rates

Down PaymentTermAPR*
as low as
Monthly Payment per $1,000 Borrowed
New Cars (2022 - 2025) The maximum loan amount will be determined by the actual purchase price, excluding the costs of any extended warranty program and sales tax.
Used Cars (2019 and Newer) The maximum loan amount will be determined by the lower of the actual purchase price or the average retail value as stated in the NADA official website. Refinances will be limited to the remaining balance of existing loan.
Older Used Cars (2015 - 2018) The maximum loan amount will be determined by the lower of the actual purchase price or the average retail value as stated in the NADA official website. Refinances will be limited to the remaining balance of existing loan.
New Motorcycles (2022 - 2025)
Used Motorcycles (2019 and newer)
Older Used Motorcycles (2015 - 2018)
Boats (2014 and newer)
RVs
Unsecured Personal Loans
Unsecured First Step Program
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* The Annual Percentage Rate (APR) is based on your personal credit score and reflects a .25% discount for automatic payment from a Webster Five account. An option not to choose automatic payments is available which will increase the rate by .25%. Other rates, terms and conditions may apply. Rates and terms are subject to change at any time without notice.