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February 28, 2023

Due to weather conditions, NY banking centers in Orange, Rockland, Ulster, and Sullivan county will open at 10am today. Online Banking, Mobile Banking, ATM’s, and the Contact Center remain available.

Lock in a great rate for the life of your loan

Fixed-Rate Mortgage

Predictability and consistency are wonderful things — especially when you’re able to secure a fixed-rate for your mortgage.

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Fixed-rate mortgage rates

12/10/2024

30-year fixed¹

6.75%

6.789% APR²

20-year fixed¹

6.625%

6.676% APR²

15-year fixed¹

6.125%

6.188% APR²

10-year fixed¹

6.089% APR²

Ready to apply?

Get your custom rate

Resource Library

Find a Mortgage Banking Officer near you

877.647.5137

Find a local Mortgage Banking Officer or Banking Center

Frequently Asked Questions

Why choose a fixed-rate mortgage?

A fixed-rate mortgage gives you the security and stability of having the same monthly payment over the life of your loan. You can choose a longer term for lower monthly payments that fit your budget. Alternatively, you can choose a shorter term with higher monthly payments, which means you’ll pay less interest in the long run.

What are points?

Points provide a way for you to lower the interest rate, and in turn lower your monthly mortgage payment. One mortgage point is equal to 1% of your mortgage amount. For example, on a $200,000 loan, one mortgage point is equal to $2,000. You can pay 1 point, or $2,000, at closing in exchange for a lower interest rate over the life of your loan.

What’s the difference between APR and interest rate?

Your APR, or annual percentage rate, reflects your interest rate plus any fees that you pay to obtain your loan. Your interest rate is simply the annual cost of your loan expressed as a percentage. This doesn’t factor in the fees you paid to originally obtain your loan.

What is the maximum conforming mortgage loan amount?

A conforming mortgage is the mortgage loan limit set by Fannie Mae and Freddie Mac. For single family properties in most counties, the conforming limit is $766,550 and any mortgage loan amount of more than $766,550 is a jumbo mortgage.

Disclosures

¹The following information applies to the mortgage products 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
- A down payment of 20% for single-family properties
- A loan origination fee of $1,000
- Points up to 2.0% of the loan amount, depending on which rate option is selected.
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.

Payment Example: As an example, a fixed rate loan of $250,000 for 30 years at 6.75% interest and 6.789% APR will have a monthly payment of $1,621.50. A fixed rate loan of $250,000 for 20 years at 6.625% interest and 6.676% APR will have a monthly payment of $1,882.38. A fixed rate loan of $250,000 for 15 years at 6.125% interest and 6.188% APR will have a monthly payment of $2,126.56. A fixed rate loan of $250,000 for 10 years at 6% interest and 6.089% APR will have a monthly payment of $2,775.51. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.