Here are my selections for the best deals on home loans in the Boston area this winter.
As always, I'm looking for the most favorable combination of low mortgage rates and reasonable fees.
These offers require you to pay no points and loan origination fees of less than $2,000 -- exactly what anyone trying to buy or refinance a home should be looking for to control their up-front costs and keep monthly payments low.
Compare my picks with the best mortgage rates from other banks and finance companies in our database.
Our research provides real-time, accurate data on mortgage rates in Boston, across Massachusetts and throughout the country.
You can also determine what the monthly payments would be for the home loan you’re considering with our fixed-rate mortgage calculator or adjustable-rate mortgage calculator.
See if you can beat these deals.
Boston Mortgage Rates
| Lender | 30-year fixed | 15-year fixed | 5-year ARM |
| EverBank | 3.750% | 3.000% | 2.750% |
| New American Funding | 3.750% | 3.125% | 2.625% |
| AimLoan.com | 3.750% | 3.000% | 2.500% |
| Aurora Financial | 3.875% | 3.125% | 2.750% |
| Mortgage Capital Associates | 3.875% | 3.125% | 2.500% |
| WCS Lending | 3.875% | 3.250% | 2.750% |
| Credence Mortgage | 3.875% | 3.125% | 2.875% |
Remember that mortgage rates change daily.
These quotes are from the end of the business day on Jan. 20, 2012, to borrow $210,000 for the purchase of a home with a 20% down payment.
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