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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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
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.
Learn More & ApplyPersonal Mortgage Rates
| Product | Interest Rate* | APR | Payment per $1,000 Borrowed | Term (Months) | Points | Apply |
|---|---|---|---|---|---|---|
| 30 YR Jumbo | 6.750% | 6.762% | $6.49 | 360 | 0 | Apply Now |
| 30 YR | 6.750% | 6.768% | $6.49 | 360 | 0 | Apply Now |
| 15 YR Jumbo | 6.375% | 6.394% | $8.64 | 180 | 0 | Apply Now |
| 15 YR | 6.375% | 6.404% | $8.64 | 180 | 0 | Apply Now |
| Jumbo 5/5 ARM | 6.500% 6.750% | 6.662% 6.662% | $6.32 $6.91 | 1-60 61-360 | 0 | Apply Now |
| 5/5 ARM | 6.500% 6.750% | 6.668% 6.668% | $6.32 $6.91 | 1-60 61-360 | 0 | 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: 20th July 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 (4.000%) plus margin (2 .750%). Interest payments after the initial fixed period are only estimates and will be based on actual market changes.
Residential Lenders
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Sara Congdon
VP - Regional Manager Nantucket [email protected] 508-228-1976 -
Larry Corthell
VP - Relationship Manager, Specialized Deposit Group [email protected] 781-783-1881 -
Phillip Donnici
VP - Relationship Manager - Specialized Deposit Group [email protected] 415-231-2758 -
Selam Eyassu
VP - Relationship Manager, Specialized Deposit Group [email protected] 202-871-6494
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] 508-228-1976Larry Corthell
VP - Relationship Manager, Specialized Deposit Group
Larry joined HIFS in 2015.
Larry is a Relationship Manager in our Specialized Deposit Group responsible for growing our 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] 781-783-1881Phillip Donnici
VP - Relationship Manager - Specialized Deposit Group
Phillip joined HIFS in 2024.
Phil Donnici is a Vice President and Relationship Manager in our Specialized Deposit Group. Phil is part of our San Francisco team where he supports consumer and business deposit relationships. Phil is a Bay Area native but has also spent time in our Massachusetts market working and earning his MBA at Boston College. With over 15 years of experience working in banking, he brings great value to our team.
NMLS #1636177
[email protected] 415-231-2758
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
[email protected] 202-871-6494"*" indicates required fields
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