Find the perfect mortgage for your dream home

Your home-buying journey starts here. Whether you're purchasing your first home, refinancing, or exploring flexible mortgage options, Webster First has the expertise to guide you every step of the way. To apply, you must be 18 years of age or older and live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County.

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Why choose Webster First for your mortgage?

Fixed Rate

As low as 5.542% APR¹
Enjoy peace of mind with fixed payments for the life of the mortgage.
Choose terms of 15, 20, 30, or 40 years.
Perfect if you’re planning to stay in your home for more than 10 years.

Adjustable Rate¹²

As low as 5.565% APR^1,12
Start with a lower fixed rate for the initial years.
Great for short-term plans or if you may move within 10 years.
Flexible terms to fit your needs.

First Time Home Buyer

As low as 6.318% APR¹
Enjoy peace of mind with consistent rates and predictable payments. Subject to underwriter guidelines.
30-year fixed rate term. Subject to underwriter guidelines.
No application fee.
A seamless start to owning your first home.

Refinance

Lower your mortgage payment or shorten your repayment time.
Access cash-out refinancing for non-mortgage debt or home improvements. Subject to underwriter guidelines.

Current Mortgage Rates

Type	Rate	APR^1,4	EMP³ (per $1,000)
Adjustable Rate Mortgages¹²
5&1 Fixed Variable¹²	5.625%	5.725%	$5.76
7&1 Fixed Variable¹²	5.750%	5.852%	$5.84
7&3 Fixed Variable¹²	6.000%	6.166%	$6.00
10&5 Fixed Variable¹²	6.125%	6.316%	$6.08

Convertible 1 Yr Adjustable¹²	5.125%	5.565%	$5.44
1 Year Adjustable¹²	5.125%	5.565%	$5.44
3 Year Adjustable¹²	5.250%	5.631%	$5.52
7&1 Variable 40 Year¹²	5.875%	5.962%	$5.42
Land Loan^11,12	5.125%	5.643%	$10.67

Fixed Rate Mortgages
15 Year	5.375%	5.542%	$8.10
20 Year	6.000%	6.139%	$7.16
30 Year	6.375%	6.483%	$6.24
40 Year	7.000%	7.099%	$6.21
First Time Homebuyers	6.250%	6.318%	$6.16

1:APR = Annual Percentage Rate.
4:All mortgage APRs are for 1-4 unit owner occupied primary residences based on 20% down payment. APRs may vary with lesser down payment. All mortgages with a loan to value of 80% and over require Prime Mortgage Insurance (PMI). Rates subject to change without prior notice. Zero points on all mortgages. Guidelines available upon request.
3:EMP = Estimated Monthly Payment.
11:Land loans 1-10 years, 25% downpayment
12:ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every 1, 3 or 5 years based on a current index, depending on the ARM program you choose. For example, if you select the 5 & 1 Fixed Variable program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5& 1), after that the interest rate and payment could change every 1 year for the remainder of the mortgage’s term (the 1 in the 5 & 1).

What to expect after you apply

Expert guidance

Your Mortgage Loan Officer will help you gather the necessary documentation, take care of disclosures, and outline next steps.

Underwriter review

Our team looks at your credit and financial information closely to decide if you qualify.

Processing and appraisal

Once you're approved, we'll take care of the appraisal and finish collecting and ordering any remaining documents for your file.

Close with confidence

Our in-house team, WebFirst Mortgage LLC, will lead you through the final steps. Congratulations, you're officially a homeowner!

Apply for a mortgage today

Your dream home is closer than you think. Apply online today and take the first step toward a mortgage that fits your lifestyle.

Our dedicated loan center team is happy to answer your mortgage-related questions or provide assistance with completing an online mortgage application.

(774) 823-1665

Monday – Wednesday: 8:00 a.m. – 4:30 p.m.
Thursday & Friday: 8:00 a.m. – 5:00 p.m.
Saturday & Sunday: Closed

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Mortgage Calculators

Home Affordability Calculator

How much home can you afford? Forge a clear path to homeownership when you know your budget.

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Home Refinance Calculator

Could you save by refinancing? Refinancing a mortgage could lower your monthly payment amount, reduce the amount of interest you pay over time, or both! Find out if you could benefit from refinancing.

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