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Residential Mortgages

We have the ability to deliver commitments quickly, without unnecessary paperwork or a complicated process.

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Personal Mortgage Rates

ProductInterest Rate*APRMonthsPayment per $1,000 BorrowedPoints
30 YR Jumbo7.000%7.012%360$6.650
30 YR7.000%7.018% 360$6.650
15 YR Jumbo6.625%6.644%180$8.780
15 YR6.625%6.654%180$8.780
5/5 ARM6.750%7.161%360$6.490
Jumbo 5/5 ARM6.750%7.155%360$6.490

The above rates include a 0.125% discount for the establishment and maintenance of automatic recurring loan payments from an HIFS checking account. If the borrower does not establish and maintain said account and recurring payments, the rate would be 0.125% higher than that presented above.

For adjustable rate loans, interest rate and payment may increase after the initial fixed period. Jumbo loan rates apply for loans between $647,200 and $1,500,000. For loans above $1,500,000 or special situation transactions that require unique underwriting, please contact us to discuss terms and rate. All APRs above assume a 20% down payment. Payment examples do not include tax escrow and insurance. The actual payment obligation will be greater. All rates, terms and conditions are subject to change without notice. Rates are current as of: document.write(new Date().toLocaleDateString());


Home Equity Lines of Credit

Hingham Institution for Savings offers a competitive Home Equity Line of Credit (HELOC) program to customers that have their first mortgage with us, or, to those with no other mortgage on their property.

If you’d like to apply for a HELOC, please complete the form below to contact a Mortgage Loan Officer about our rate and program details or visit our Help Center to learn more.

Our Competitive Advantages:


Your Loan Remains with Hingham

We will never sell your loan to another bank. If you ever have questions about your loan, our team is here to help.


Diverse Product Set

We offer a variety of loans unavailable at other banks including super jumbo loans, non-conforming condominium loans, loans to foreign citizens, home equity lines of credit, or in limited liability corporations, and construction-permanent financing for primary and vacation residences.


Creative Financing Options

We can structure blanket mortgages to facilitate complex financing needs and routinely work with self-employed borrowers and business owners.

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Contact Us For A Residential Mortgage

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Hingham Institution for Savings is not responsible or liable for the content, information, security or failure of any products or services advertised on promoted on any external site or any external site's privacy or data protection safeguards.

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