Mortgages

Fixed, adjustable, and jumbo opportunities.

We know choosing the right mortgage product can feel overwhelming. Our mortgage experts are here to help you determine which is the best option for your personal situation.

When you choose Webster, you can rest assured your bank will be there every step of the way.

Buying a home can be nerve-wracking. That's why we have a Peace-of-Mind Guarantee1.

Select rate & apply

Fixed Rate

%
APR
30 year fixed2
%
APR
15 year fixed2

The most common mortgage with several terms available. 30- and 15-year are the most popular, with either lower monthly payments over a longer period, of higher payments over a shorter period, but with less interest paid in the long run.

  • Pay a constant monthly payment with a fixed interest rate
  • Find a variety of programs for conventional and Jumbo loans

Adjustable Rate

%
APR
Conventional 7/13
%
APR
Conventional 10/13

An adjustable rate mortgage comes with a lower initial rate, so you can increase your borrowing power or lower your first payments. It's also an option if you plan to own your home for a shorter period of time. Your monthly payment may rise or fall over the life of the loan, in line with index rate adjustments.

  • Secure annual and lifetime interest rate caps
  • Pre-determined rate-change dates for the life of the loan

Jumbo Mortgages

%
APR
30 year fixed jumbo4
%
APR
15 year fixed jumbo4

When you need a loan over $417,000, a Jumbo mortgage, available in fixed and variable rates, is for you. Jumbo mortgages also offer options on investment property purchases. As these higher loans come with more risk, the interest rate on Jumbo mortgages is slightly increased.

  • Competitive interest rates
  • Flexible options for investment properties

Government assisted
mortgages5

Homeownership can be in your future.

Learn more

Home equity
loans and lines of credit5

Your home has value. Take advantage of it.

Learn more

Personal
loans5

Up to $25,000 and fixed monthly payments to help you reach your goals.

Learn more
  1. Webster Bank “Peace of Mind” Home Purchase Guarantee: Webster's "Peace of Mind" Home Purchase Guarantee, guarantees a condition free Commitment Letter by the mortgage contingency date stated in your home purchase contract. Your mortgage contingency date must be at least 30 days from the date we receive your completed mortgage loan application in order to be eligible for this guarantee ("Commitment Guarantee"). This condition free Commitment Letter may bring you one step closer to purchasing your new home on time!

    If after receipt of your Completed Mortgage Loan Application, we do not meet the Commitment Guarantee, Webster will provide you, the applicant(s) with a total maximum $1,000 closing cost credit.
    A "mortgage loan application" is defined as an oral or written request for credit in which Webster received all "required information and documentation" to evaluate the application for the amount and type of credit requested.
    A Completed Mortgage Loan Application is defined as follows:
    -Fully executed offer to purchase and/or purchase and sale agreement
    -Satisfactory income documentation required for your selected mortgage program

    -Asset documentation as required for your selected mortgage program
    -Required upfront fees paid at time of application for appraisal and credit report
    -Signed 4506T and Borrower’s Authorization

    You, the applicant(s), are responsible for providing Webster the required information and documentation to satisfy the Completed Mortgage Loan Application criteria. Any delays due to an incomplete application are not covered by the Commitment Guarantee. The Guarantee does not cover delays caused by the applicant or third parties delivering required documentation on behalf of the applicant(s).
    To be eligible for the Commitment Guarantee, the Completed Mortgage Loan Application must be for a 1 to 4 family, primary residence or second home. The Commitment Guarantee is only available in CT, RI, MA and Westchester County, NY. Loan amounts over $1,000,000 are excluded.
    Additional Exclusions:
    -Loans secured by Condos
    -Construction loans
    -Short Sales
    -Land Loans
    -Closing delays due to non-marketable title
    -All FHA and state agency loans
    -Delays caused by borrower should additional documentation be required after initial loan submission
    -Delays caused by third parties (including but not limited to sellers) providing, delivering or submitting required documentation on behalf of the applicant(s)
    -Product changes, counteroffers, loan type changes

    All mortgage loans applications are subject to credit approval. Only closed and funded loans for which the Bank did not meet the Commitment Guarantee qualify for the $1,000, closing credit. This offer may be withdrawn at any time without notice and may not be combined with any other offers. Please consult a Webster Mortgage Bank Officer for more details.

  2. Fixed Rate Mortgage: Annual Percentage Rate (APR) on a Webster Fixed mortgage is listed as an example only and does not represent a guaranteed rate by Webster bank. Rate quoted is valid as of the effective date listed on the mortgage rate page. Rates are subject to change at any time. Please call 1-877-892-4798 or visit WebsterBank.com to check the latest rates. Rate includes a 0.125% discount for automatic payments (ACH) made from a Webster consumer checking account. If the ACH is terminated at any time, the rate will increase by the amount of the discount given. This discount does not apply to Government Assisted Mortgages. Quoteded rate displayed for 30 Year Fixed is for loan amount less than $417,000 and 0 points paid (0% of the loan amount). Quoted rate displayed for 15 Year Fixed is for loan amount less than $417,000 and 0 points paid (0% of the loan amount). Quoteded rate displayed for 10 Year Fixed morgage is for loan amount less than $417,000 and 0.50 points paid (0.50% of the loan amount). All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time. Rate assumes purchase of a primary residence, single family property.

     

  3. Adjustable Rate Mortgage: Annual Percentage Rate (APR) on a Adjustable Rate mortgage is listed as an example only and does not represent a guaranteed rate by Webster Bank. Rate quoted is valid as of the effective date listed on the mortgage rate page. Rates are subject to change at any time. Please call 1-877-892-4798 or visit WebsterBank.com to check the latest rates. Rate quoted is a variable rate and will change annually after the initial fixed period. The interest rate will be determined by adding the index to the margin. Rate includes a 0.125% discount for automatic payments (ACH) made from a Webster personal checking account. If the ACH is terminated at any time, the rate will increase by the amount of the discount given. This discount does not apply to Government Assisted Mortgages. Quoted rate displayed for Adjustable Rate Conventional 7/1 mortgage is for loan amount less than $417,000 and 0 points paid (0% of the loan amount). Quoted rate displayed for Adjustable Rate Conventional 10/1 mortgage is for loan amount less than $417,000 and 0 points paid (0% of the loan amount). All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time. Rate assumes purchase of a primary residence, single family property.

  4. Jumbo Mortgage: Annual Percentage Rate (APR) on a Webster Jumbo mortgage is listed as an example only and does not represent a guaranteed rate by Webster bank. Rate quoted is valid as of the effective date listed on the mortgage rate page. Rates are subject to change at any time. Please call 1-877-892-4798 or visit WebsterBank.com to check the latest rates. Rate assumes a loan amount of $417,000 or greater and automatic payments (ACH) made from a Webster personal checking account. If the ACH is terminated at any time, the rate will increase by 0.125% for loan amounts up to $1,000,000. There are no ACH discounts for loan amounts over $1,000,000. This discount does not apply to Government Assisted Mortgages. Quoted rate for 30 Year Fixed Jumbo mortgage is for loan amount greater than $417,000 and 0 points paid (0% of the loan amount). Quoted rate displayed for 15 Year Fixed Jumbo mortgage is for loan amount greater than $417,000 and 0 points paid (0% of the loan amount). All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time. Rate assumes purchase of a primary residence, single family property.

  5. Subject to credit approval

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