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Our experienced staff will guide you through every step of the mortgage process - and answer your questions long after closing. Whatever your needs or your budget, Cambridge Trust will help you find the mortgage that's right for you. Our fixed, adjustable, and jumbo mortgages offer you competitive rates, flexible terms, and personal service. And with our online application, you can apply anytime that's convenient for you.

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Sal Sagarese
Lisa Assarian
Mark Palla

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Apply online

Applying for a mortgage with Cambridge Trust is quick and easy. Whether you’re purchasing a new home, refinancing an existing mortgage, or requesting a mortgage preapproval, the application process only takes about 20 minutes. Simply click below to get started.

Check rates

Check our current rates and see your options from some of our loan programs. You can take a look look at your choices to help you find the best loan for your needs.

Get answers

If you would like to talk through your options, want information on a specific lending product, or have any additional questions, please contact us by clicking below, calling 617-441-1406, or visiting one of our branches. Our mortgage originators are here to assist you in every step of the process.

Mortgage Content

Jumbo Mortgages

Jumbo and super-size mortgages are available for customers with a higher loan amount at competitive rates. Financing options for jumbo and super-size mortgages include fixed- and adjustable-rate mortgages, with a range of terms to accommodate immediate and long-term financial plans.

Interest-Only Loans

Our interest-only products are a great option for both purchases and refinancing, offering competitive rates. To find out if an interest-only loan is right for you, call Sal Sagarese at 617-441-1406, email, or stop by a banking office.

Adjustable-Rate Mortgages

If you do not plan on staying in your home for a long period of time or need flexibility to meet your current financial situation, you may want to consider an adjustable-rate mortgage (ARM). With this option, you can take advantage of a fixed interest rate for a shorter period of time. After the initial period ends, the rate is adjusted every year, but will never exceed a predetermined rate cap.

Fixed-Rate Mortgages

Fixed-rate mortgages can be ideal if you expect to own the property for many years. A fixed-rate mortgage holds the interest rate and monthly payment constant for the life of your loan so you always know exactly what your monthly payments will be.

First Time Buyers Program

In cooperation with multiple programs, including the Massachusetts Housing Finance Agency, we offer different options for first time home buyers whose income is within certain limits and would otherwise have difficulty qualifying for a mortgage. Participants may be eligible for lower down payments and will always have access to our experienced bankers. This program is limited to owner-occupied, 1-4 family houses, and condominiums.

Low Down Payment Mortgages

With a variety of mortgage options, you have the flexibility of making a low down payment on our fixed rate mortgages. To learn how we can help you, call Sal Sagarese at 617-441-1406, email, or visit one of our banking offices for assistance.


If you are shopping for a new home, a mortgage pre-approval can save time and give you an advantage when you make an offer to purchase. Apply online for free and one of our mortgage originators will follow up with you to review your pre-approval and answer any questions you may have. To learn how we can help you, call Sal Sagarese at 617-441-1406, email, or visit one of our banking offices for assistance.

Refinancing Options

If you want to refinance your existing mortgage — to reduce your interest rate or term, or tap into the equity in your home — we have several options available. There is no prepayment penalty for Cambridge Trust mortgage customers. Down the road if the time is right to refinance, we're there for you.

Non-Owner Occupied Properties

Have non-owner occupied properties? Our Investment Property Programs offer competitive rates for both conforming and nonconforming products. Call Sal Sagarese at 617-441-1406, email, or stop by a banking offices for more information.

Mortgage Calculators

Use our home financing calculators to help you make the right borrowing decisions. Whether you’re considering purchasing your first home or determining if it’s time refinance, there’s a calculator to help. And if you have any questions, our lending professionals are here to give you expert advice and guide you through every step of the process.



* Annual Percentage Rate (APR) effective 5/29/18 and subject to change. Based on a 30-year fixed rate jumbo of 4.500%, with an APR of 4.530%, zero points, and a 20% down payment, the mortgage would be repayable in 360 monthly payments of $5.07 per $1,000.00 borrowed. Based on 7/1 ARM of 3.625%, with an APR of 4.394%, zero points, and a 20% down payment, the mortgage would be repayable in payments of $4.56 per $1,000.00 borrowed. The payment or rate is subject to adjustment after the initial 84 month period. After the initial 84 month period, the initial interest rate will adjust based on the One Year Libor Rate as published in the Wall Street Journal, plus 2.25%. The maximum first adjusted rate for this loan will not be more than 8.625% with a maximum payment of $2,135.13. The maximum lifetime rate will not be more than 8.625% with a maximum monthly payment of $2,135.13. The payment will not include taxes and insurance; your actual payment will be greater. Subject to credit approval. Rate may change without prior notice.


Cambridge Trust Company's lending area includes Middlesex, Suffolk, Norfolk, Essex, Plymouth, Barnstable, Dukes, Nantucket, and Worcester counties in Massachusetts and Belknap, Carroll, Hillsborough, Merrimack, Rockingham, and Strafford in New Hampshire. Cambridge Trust Company's NMLS Unique Identifier #697495. Sal Sagarese NMLS #759511.




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