Residential Mortgages

Fast, Flexible, and Personal

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Hingham’s bankers work closely with our customers to help them finance both primary and second homes in Massachusetts, the Washington DC metropolitan area, and San Francisco. With a personal approach, we have the ability to deliver commitments quickly, in a streamlined process, and we can structure unusual transactions that provide unique value to customers.

Your Loan Remains with Hingham

As a portfolio lender, we never sell loans to another bank. If you ever have questions about your loan, our team is here to help.

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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, loans with property owned by a family trust or LLC and construction-permanent financing for primary and vacation residences. We work closely with our customers to underwrite their entire balance sheet to structure creative solutions unavailable elsewhere.

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Creative Financing Options

We have financing options not available at other banks. We can structure blanket mortgages to facilitate complex financing needs and routinely work with self-employed borrowers and business owners.

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Expanded Client Coverage

Hingham is dedicated to serving the evolving needs of homeowners and homebuyers within our key markets of Massachusetts, Washington, D.C., Maryland, Virginia, and California. As a trusted financial partner, we are committed to providing exceptional mortgage solutions tailored to the unique circumstances of our customers.

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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 contact a Banker about our rate and program details or visit our Help Center to learn more.

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Personal Mortgage Rates

Product	Interest Rate*	APR	Payment per $1,000 Borrowed	Term (Months)	Apply
30 YR Jumbo	6.750%	6.762%	$6.49	360	Apply Now
30 YR	6.750%	6.768%	$6.49	360	Apply Now
15 YR Jumbo	6.375%	6.394%	$8.64	180	Apply Now
15 YR	6.375%	6.404%	$8.64	180	Apply Now
Jumbo 5/5 ARM	6.500% 6.625%	6.587% 6.587%	$6.32 $6.83	1-60 61-360	Apply Now
5/5 ARM	6.500% 6.625%	6.593% 6.593%	$6.32 $6.83	1-60 61-360	Apply Now

The above rates include a 0.125% discount for the establishment and maintenance of automatic recurring loan payments from a 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.

All examples above assume a 20% down payment. Payment examples do not include tax escrow and insurance. The actual payment obligation will be greater. Jumbo loan rates apply for loans between $806,501 and $1,500,000. For loans above $1,500,000 or special situation transactions that require unique underwriting, please contact us to discuss terms. All rates, terms and conditions are subject to change without notice. Rates are current as of: 14th June 2025.

For adjustable rate loans (ARM), interest rate and payment may increase every 60 months after the initial fixed period. Payment examples 1-60 are based on the initial rate. Payment examples 61-360 are based on the current index (3.875%) plus margin (2 .750%). Interest payments after the initial fixed period are only estimates and will be based on actual market changes.