Current Best Mortgage Rates in Waltham, MA

If you, among many others, have been impressed by sinking mortgage rates and are planning on buying your first home, the present may truly be the most opportune time. However, just because average Waltham mortgage rates are at historic lows doesn’t mean every financial institution will be offering an affordable financing option. In order to lower the cost of your home purchase as much as possible, you will need to research the rates available locally and find the very best.

Whether you’re interested in a traditional fixed rate mortgage or are planning on obtaining an ARM, there’s a lender in Waltham, MA with a great rate for you. Below is a list of the best mortgage rates in Waltham across a variety of loan types.

Waltham Banks and Credit Unions with Lowest Mortgage Rates

Top Waltham 15-Year Fixed Mortgage Rates

• Salem Five Cents Savings Bank: 3.25%
• • Orig. Fees: $494.500
  • Points: 1.38


• Workers Credit Union: 3.25%
• • No Orig. Fees
  • Points: 0


• Bank of America, National Association: 3.25%
• • No Orig. Fees
  • Points: 1.13

Best 30-Year Fixed Mortgage Rates in Waltham

• Salem Five Cents Savings Bank: 3.88%
• • Orig. Fees: $494.500
  • Points: 2.25


• Quicken Loans Inc: 3.99%
• • No Orig. Fees
  • Points: 2


• Eastern Bank: 4.13%
• • No Orig. Fees
  • Points: 0

Lowest Waltham 3/1 ARM Mortgage Rates

• Sovereign Bank: 2.75%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• RBS Citizens, National Association: 3%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• Workers Credit Union: 3%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

Best Mortgage Rates for a 5/1 ARM in Waltham

• Bank of America, National Association: 2.63%
• • No Orig. Fees
  • Points: 1
  • Caps: 2% per Adjustment Period


• Sovereign Bank: 2.63%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• RBS Citizens, National Association: 2.88%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

Ensure you verify these rates with the lender before you apply. Interest rates are accurate as of November 1, 2011, but are subject to change at any time. Further, you may be subject to additional requirements or credit approval in order to obtain the lowest advertised Waltham mortgage rate.