All of Boston's best mortgage rates begin the year below 4%

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 interest rates from other banks and finance companies in our database.

Our research provides real-time, accurate data on loans 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 home loan calculator or adjustable-rate 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% 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 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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