Exclusive Home Loan Offer
Freedom 30
5.990% Rate / 6.004% APR -- The best rate in town!
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Lock in Today's Rate. Lower It Later. Hassle-Free and No Refinancing.
Introducing our Rate Drop Guarantee
When you lock in your competitive home loan rate with us today, you're not locked out of future savings. If rates go down, you can take advantage of a one-time rate decrease—no refinancing, no extra paperwork, no stress.
Your Mortgage Stays with Us—Always.
Unlike most banks, we don't sell your loan. This means, you'll always get:
- Personalized service
- Fast decisions
- Terms that fit your needs
Rooted in relationships, not resale. With WSB, your mortgage isn't a transaction. It's a relationship you can always count on.
Freedom 30 Home Loan Options
We want to empower all homebuyers to move forward in confidence. Apply now!
Offering competitive rates tailored to meet the needs of our local real estate markets.
- Rate - 5.990%*
- APR - 6.004%
- Points - 0.000
- Term - 30 Years1 - Conforming and Jumbo
Take advantage of our competitive rate and receive a $550 discount on closing costs.
- Rate - 5.875%*
- APR - 5.889%
- Points - 0.000
- Term - 30 Years2 - Conforming and Jumbo
Meet our Loan Officers
Our loan officers are here to offer you personalized service, quick decisions, and terms that fit your needs. WSB can offer that because we do not sell your loans.
Cynthia Iskenderian
AVP, Residential Lending
60 Main Street
Watertown, MA 02472
NMLS #40742
Julie Kermanidis
AVP, Residential Lending
60 Main Street
Watertown, MA 02472
NMLS #2373120
*Rates listed below are with a 20% down payment. Loans with less than 20% down payment may require PMI and rate is increased by .50%.
You may elect one-time over the life of your mortgage to switch to a lower rate on a 30-year fixed-rate mortgage as published by Watertown Savings Bank. There will be a $1,000.00 documentation and rate change fee should you opt to reduce to a lower rate. Upon your rate change election, the new rate will apply to the remaining term of your WSB mortgage at the beginning of your next payment cycle and will be based on the original maturity date of your mortgage. At the time of the WSB rate reduction, your mortgage must be current and have experienced no delinquencies in the prior 180 days.
Offer for owner-occupied properties only. Rates are also based on 80% CLTV and a credit score of 740 or higher. If minimum credit score is not met .25% will be added to the initial rate. Subject to credit approval. APRs listed are based on $400,000 loan for all conforming fixed rate loan products, and $766,551 for all jumbo fixed rate loan products. Term 30 years. Your APR will vary based on your final loan amount and finance charges. Jumbo mortgages are defined as loans in excess of $832,750 (single family & condominium), $1,066,250 (two-family), $1,288,800 (three-family), and $1,601,750 (four-family). All jumbo loans require a minimum down payment of 20%.
Rate shown above reflects the auto pay option. To qualify for our autopay rate, your monthly mortgage payments must be automatically withdrawn from a WSB Checking Account, and a WSB debit card activated. Should you cancel your automated monthly withdrawal, your interest rate will change to the non-autopay rate. Non-autopay rates are .25% higher.
1WSB Fixed Rate Mortgage - Conforming & Jumbo - Purchase & Refinance: 360 monthly payments with a principal and interest payment of $5.99 per $1,000 borrowed.
21st Time Homebuyer: 360 monthly payments with a principal and interest payment of $5.92 per $1,000 borrowed.
The payment shown does not include taxes and insurance. Your payment may be greater.
Other fees may apply. Please refer to our mortgage rate sheet for more details.
All rates are subject to change without notice.
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