Freedom 30

*Exclusive Offer:

-Valid until August 31, 2026, at 11:59pm ET. It is the responsibility of the customer to inform the Loan Officer that they would like to take advantage of this exclusive offer for Customer Choice Awards voters. Your participation as a voter will be validated by the Loan Officer to determine your eligibility for this exclusive offer.

-Watertown Savings Bank is committed to supporting the communities we serve. We fulfill that mission by investing in charitable 501(c)(3) organizations within our local geographic footprint. Donations are not awarded to: (1) for-profit organizations; (2) individuals or individual fundraising efforts; (3) organizations outside of our local geographic footprint; or, (4) political fundraising or views. Your Loan Officer will notify you by email or letter within 60 days of your closing that the $250 donation has been sent to the non-profit organization of your choice.

-the $1,000 closing cost credit will only be applied during the loan closing of your 30-year fixed rate mortgage.

Freedom 30 Offer:

*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.