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Mortgages

Get the home you want with the right mortgage — delivered quickly. Even better, if you’re a Webster client, you may get discounts on our posted rates.

Compare your options

Fixed-Rate Mortgage
  • 6.914% APR for 30-year fixed1, 2
  • 6.564% APR for 15-year fixed1, 2

10-, 15-, 20- & 30-year terms available3

Learn More

Adjustable-Rate Mortgage
  • 7.175% APR for Conventional 7/6m1, 4, 5
  • 6.993% APR for Conventional 10/6m1, 4, 5

Six month adjustment periods and lifetime interest-rate caps apply

Learn More

Jumbo Mortgage
  • 6.513% APR for 30-year fixed1,6,7
  • 6.271% APR for 15-year fixed1,6,7
  • Fixed and/or variable rates
  • Available for investment properties, too

For loans over $766,550

Learn More

Construction Mortgage
Build your own home
  • Can include land & construction costs
  • Refinancing options for home renovations
  • Fixed, adjustable and jumbo loans available
  • Construction-to-Permanent loan options
Government and State Agency Loans
Low down payment & rates
  • Make real your dream of home ownership
  • Multiple financing options
Construction Second Mortgage

Lending option for when you haven’t paid off your first mortgage yet or your current mortgage is at such a great rate, you don’t want to adjust it.

father and kids hanging picture in new home

What is a first time homebuyer?

A first time buyer is anyone who has not owned (or had ownership interest in) a home in the past 3 years. Webster’s Community Liaison Officers (CLOs) are here to help first time homebuyers like you navigate the process and find the right lending solution.

Find a CLO

Having trouble making your mortgage payments?
You may have options.

Ready to get started?

Put our solutions to work for you. Contact us today.

Disclosures

All of our home loan originators are registered with the Nationwide Mortgage Licensing System and Registry (NMLS System). To obtain the NMLS identification number of a Webster Bank Loan Officer, please call our Client Assistance Center at 800-325-2424. The NMLS identification number can be used to search the NMLS National Database to view their background information.

1The following information applies to the mortgage products and rates featured above

  • Mortgages are available in CT, MA, NY and RI.
  • Rate assumes purchase of a primary residence, single-family property.
  • APR is based on a set of assumptions, which include the following:
    • A loan amount of $250,000 for fixed and adjustable-rate loans, and $800,000 for jumbo loans
    • A down payment of 20% for single-family properties
    • A loan origination fee of $1,000 on fixed and adjustable-rate loans, and $1,050 on jumbo loans
    • Points up to 2.0% of the loan amount, depending on which rate option is selected.
  • After the initial fixed period, ARM interest rates are based on an index known as the 30-day Average SOFR index published by the Federal Reserve Bank of New York.
  • Minimum Loan amount for Jumbo Mortgage is $766,551.
  • Advertised rates assume a credit score of 740. Actual rates may vary based on credit qualifications, loan amount, loan-to-value, occupancy, term, and geography. Rates are subject to change at any time.
  • Combined Loan to Value (CLTV) up to 90% is available for certain mortgage products, property types and loan amounts.
  • All loans are subject to the normal credit approval process.

2Fixed-Rate Mortgage: APR = Annual Percentage Rate. Actual rate may vary based on credit qualifications, loan-to-value, occupancy, term, and geography. Rates advertised are valid as of the effective date listed on the Fixed Rate mortgage page and are subject to change at any time. Please call 1-877-647-5137 or visit WebsterBank.com to check the latest rates. Rates advertised are discounted 0.125% and apply when you enter into an Automatic Loan Payment Agreement (ALPA) to have payments deducted from a Webster Bank personal checking account. This discount does not apply to Government Assisted Mortgages. All loans are subject to the normal credit approval process. This offer is subject to change without notice and may be withdrawn at any time.

3Payment Example: As an example, a fixed rate loan of $250,000 for 30 years at 6.875% interest and 6.914% APR will have a monthly payment of $1,642.32. A fixed rate loan of $250,000 for 15 years at 6.5% interest and 6.564% APR will have a monthly payment of $2,177.77. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

4Adjustable-Rate Mortgage (ARM): APR = Annual Percentage Rate. Actual rate may vary based on credit qualifications, loan amount, loan-to-value, occupancy, term, and geography. Rates advertised are valid as of the effective date listed on the Adjustable-Rate mortgage page and are subject to change at any time. Please call 1-877-647-5137 or visit WebsterBank.com to check the latest rates. Rates advertised are variable rate and will change every 6 months after the initial fixed period (10 years for 10/6m ARM and 7 years for 7/6m ARM; the 6m means that the interest rate is subject to change every 6 months thereafter). The interest rate will be determined by adding the index to the margin. Rates advertised are discounted 0.125% and apply when you enter into an Automatic Loan Payment Agreement (ALPA) to have payments deducted from a Webster Bank personal checking account. This discount does not apply to Government Assisted Mortgages. All loans are subject to the normal credit approval process. This offer is subject to change without notice and may be withdrawn at any time.

510/6m ARM Payment Example: As an example, a 10/6m ARM with a term of 30 years for $250,000 at 6.625% interest and 7.155% APR will have a monthly payment of $1,600.78 for years 1-10. For years 11-30, payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

7/6m ARM Payment Example: As an example, a 7/6m ARM with a term of 30 years for $250,000 at 6.50% interest and 7.303% APR will have a monthly payment of $1,580.17 for years 1-7. For years 8-30, payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

6Jumbo Mortgage: APR = Annual Percentage Rate. Actual rate may vary based on credit qualifications, loan amount, loan-to-value, occupancy, term, and geography. Rates advertised are valid as of the effective date listed on the Jumbo Mortgage page and are subject to change at any time. Please call 1-877-647-5137 or visit WebsterBank.com to check the latest rates. Rate assumes a loan amount of $766,551 or greater. Rates advertised are discounted 0.125% and apply when you enter into an Automatic Loan Payment Agreement (ALPA) to have payments deducted from a Webster Bank personal checking account. This discount is not available for loan amounts over $1,000,000 and does not apply to Government Assisted Mortgages. All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time.

7Jumbo Payment Example: As an example, a fixed rate Jumbo loan of $800,000 for 30 years at 6.5% interest and 6.513% APR will have a monthly payment of $5,056.54. A fixed rate Jumbo loan of $800,000 for 15 years at 6.25% interest and 6.271% APR will have a monthly payment of $6,859.38. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

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