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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

ProductInterest Rate*APRMonthsPayment per $1,000 BorrowedPoints
30 YR Jumbo6.625%6.637%360$6.400
30 YR6.625%6.638% 360$6.400
15 YR Jumbo6.375%6.394%180$8.640
15 YR6.375%6.406%180$8.640
5/5 ARM6.375%6.445%360$6.240
Jumbo 5/5 ARM6.375%6.438%360$6.240

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: 9th October 2024.

Residential Lenders

Sara Congdon

VP - Regional Manager Nantucket
Sara joined HIFS in 2013.

Sara is the Bank’s principal representative on Nantucket and is responsible for the management of the branch, as well as the origination of residential and commercial loans on the Island.

Prior to joining the Bank, Sara had worked at Bank of America serving as a Vice President in both the residential and commercial lending areas. Sara holds a BA in Economics from Duke University.

NMLS #609857

[email protected]   508-228-1976

Larry Corthell

AVP - Retail Banking
Larry joined HIFS in 2015.

Larry is responsible for growing our Hull branch by enhancing existing personal and business client relationships as well as developing new ones. Larry also serves as a Mortgage Loan Officer, assisting clients with their residential mortgage needs. Larry has over 35 years of retail management experience and is currently the President of the Cohasset Chamber of Commerce. He is also a member of the Hull Chamber of Commerce Board of Directors.

NMLS #1769455

[email protected]   781-783-1881

Selam Eyassu

VP - Relationship Manager - Specialized Deposit Group
Selam joined HIFS in 2020.

Selam is a Relationship Manager in the Specialized Deposit Group serving the Washington, DC area. Selam has over 11 years of experience in banking and was most recently a Community Manager at Congressional Bank where she was a member of the Political Banking team. Selam holds a bachelor of arts degree from Radford University.

NMLS ID: #2548511

Book a meeting with Selam

[email protected]   202-871-6494

Amel Ghenim

AVP - Retail Banking
Amel joined HIFS in 2021.

Amel is responsible for growing our South End branch by enhancing existing personal and business client relationships as well as developing new ones. Amel has over 8 years of customer service and business development experience. She has a bachelors degree from Es-Senia University

 

NMLS ID #1821030

[email protected]   781-783-1835

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