Mortgage Rates

Whether you’re buying your first place, refinancing, or moving to your next home, Stoughton Co-Operative Bank is ready to move for you.

Use these calculators as you make mortgage decisions.

Apply Now

ProgramTermInterest RatePointsAPRMonthly Payments
per $1,000 borrowed
30 Year Conforming30 Years6.125%06.203%$6.08
5.875%16.045%$5.92
5.625%25.886%$5.76
20 Year Conforming20 Years5.875%05.976%$7.09
5.625%15.848%$6.95
5.375%25.720%$6.81
15 Year Conforming15 Years5.625%05.749%$8.24
5.375%15.653%$8.10
5.125%25.557%$7.97
10 Year Conforming10 Years5.500%05.675%$10.85
5.250%15.644%$10.73
5.000%25.614%$10.61
1 Annual Percentage Rate (APR) effective January 13, 2025 and subject to change without notice. The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is within Norfolk, Bristol or Plymouth County. The property is an existing single-family home and will be used as a primary residence. An escrow account may be required. Payment amounts do not include taxes and insurance. The actual payment obligation may be greater. The rate lock period is 60 days. Subject to credit approval. Additional terms-Rates are available for a purchase money mortgage on loans up to $726,200.00. Rates quoted are for single family detached, owner occupied primary residential properties. PMI (Private Mortgage Insurance) is required on residential mortgages with less than 20% down payment. Payment amounts do not include taxes and insurance. The actual payment obligation may be greater. Additional programs may be available. Please call for rates on higher loan amounts.

 

ProgramTermRatePointsAPRMonthly Payments per $1,000 borrowedMarginIndex*
3 Year ARM 2/6 Caps30 Years5.500%06.780%Months 1 to 36$5.682.875%4.29%
Months 37 to 359$6.66
Months 360$6.66
5/1 Year ARM 2/6 Caps30 Years5.500%06.461%Months 1 to 60$5.682.875%4.17%
Months 61 to 72$6.53
Months 73 - 360$6.53
7/1 Year ARM 5/2/5 Caps30 Years5.875%06.474%Months 1 to 84$6.922.875%4.17%
Months 85 to 96$6.53
Months 97 - 360$6.53
First Time HomeBuyer 5/3 ARM 2/6 Caps30 Years5.500%06.556%Months 1 to 60$5.682.875%4.29%
Months 61 to 96$6.61
Months 97 -360$6.61
1 Annual Percentage Rate (APR) effective January 13, 2025 and subject to change without notice. The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is within Norfolk, Bristol or Plymouth County. The property is an existing single-family home and will be used as a primary residence. An escrow account may be required. Payment amounts do not include taxes and insurance. The actual payment obligation may be greater. The rate lock period is 60 days. Subject to credit approval. Additional terms-Rates are available for a purchase money mortgage on loans up to $726,200.00. Rates quoted are for single family detached, owner occupied primary residential properties. PMI (Private Mortgage Insurance) is required on residential mortgages with less than 20% down payment. Payment amounts do not include taxes and insurance. The actual payment obligation may be greater. Additional programs may be available. Please call for rates on higher loan amounts. 2 Rates may increase after consummation.

 

Time to Get Started

Here to help neighbors become homeowners.

Online Application

Apply or Pre-Qualify Online.

Apply Today

Mortgage Programs

Find out more about our available programs.

About Mortgage Loans

Get Help

Our team is here to help with your questions.

Contact Us

It’s time to bank local.

To learn more about how Stoughton Co-Operative Bank can help you succeed and reach your goals, call (781) 344-3080, stop by one of our locations, or use our contact form.