phone 203‑271‑8764
 
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Helping home buyers for 80+ years.

Looking for your first home, new home, or second home?

Webster Bank is here to help with great service and low rates.

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Calculate Your Mortgage

How much can you afford?

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The 28/36 Rule*

When calculating how much you can afford, look at your gross (pre-tax) monthly income. While everyone’s situation is different, generally you want to spend no more than 28% on home-related costs and 36% on ALL of your debts. That includes mortgage, living expenses, loans, insurance and credit cards.

How much will it cost?

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Use our free mortgage calculator to find out how much your monthly mortgage payment could be based on current rates.

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Compare Options

You’ve found the right home, now find the right mortgage. From traditional fixed and adjustable rate mortgages to special programs with down payments as low as 3%**, we’re here to help you find what’s right for you.

Fixed-Rate Mortgage

10-, 15-, 20- & 30-year terms available1

  • 6.159% APR for 30-year fixed
  • 5.556% for 15-year fixed
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Adjustable-Rate Mortgage

Six month adjustment periods and lifetime interest-rate caps apply2

  • 5.032% APR for Conventional 7/6m
  • 5.112% APR for Conventional 10/6m
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Government and State Agency Loans

Low down payment & rates3

  • Make real your dream of home ownership
  • Multiple financing options
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Ask about our down payment assistance programs available for qualifying first time home buyers.
Get Started

Ready to make your new home possible? Start your online mortgage application below, call one of our mortgage banking officers or request to be contacted at your convenience.

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Call: 203‑271‑8764
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Disclosures

All of our home loan originators are registered with the Nationwide Mortgage Licensing System and Registry (NMLS System). To obtain the NMLS identification number of a Webster Bank Loan Officer, please call our Client Assistance Center at 800-325-2424. The NMLS identification number can be used to search the NMLS National Database to view their background information.

The following information applies to the mortgage products featured above

  • Featured Rates include 0.125% off the rate with an automatic payment deduction (ACH) from a Webster Bank Personal Checking account, for loan amounts up to $1,000,000. There are no ACH discounts for loan amounts over $1,000,000. This discount does not apply to Government Assisted Mortgages. ACH offer is subject to change without notice and may be withdrawn at any time.
  • The payment amount shown includes principal and interest. Your actual payment will be higher if escrow payments for property taxes and/or insurance are made in addition to the regularly scheduled loan payment.
  • Combined Loan to Value (CLTV) up to 90% for certain mortgage products, property types and loan amounts.
  • Mortgages are available in CT, MA, NY and RI.
  • Rate assumes purchase of a primary residence, single-family property.
  • Actual rates may vary based on credit qualifications, loan amount, CLTV, term and geography. Rates are subject to change on a daily basis.
  • All loans are subject to the normal credit approval process.
  • APR assumes 20% down payment for a single-family property and a Loan Origination fee of $1,000 on the fixed-rate and adjustable-rate mortgages, and $1,050 on the jumbo mortgage. APR also includes 0% – 2.0% (points) of the loan amount depending on which rate option is selected.
  • Interest rate will be based on an index known as the 30-day Average SOFR index published by the Federal Reserve Bank of New York.

* The 28/36 calculation is a common approach that borrowers can use when planning monthly budgets to quickly determine the approximate amount of mortgage debt they can safely assume. This material is provided for educational and information purposes only. It is not a replacement for the guidance or advice of an accountant, certified financial advisor, or otherwise qualified professional. When you apply for a mortgage, an underwriter will assess your ability to repay and credit worthiness prior to approving your application.

** All loans are subject to credit approval. Down payment percentages may differ by product and borrower eligibility. Please speak with a Webster Mortgage Banking Officer for additional details.

1Fixed-Rate Mortgage: Annual Percentage Rate (APR) on a Webster Fixed Rate mortgage is listed as an example only and does not represent a guaranteed rate by Webster Bank. Rate quoted is valid as of the effective date listed on the Fixed Rate mortgage page. Rates are subject to change at any time. Please call 1-877-647-5137 or visit WebsterBank.com to check the latest rates. Rate includes a 0.125% discount for automatic payments (ACH) made from a Webster personal checking account. This discount does not apply to all mortgage products. Quoted rate displayed for 30 Year Fixed is for loan amount less than $647,201. Quoted rate displayed for 15 Year Fixed is for loan amount less than $647,201. All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time. Rate assumes purchase of a primary residence, single family property.

2Adjustable-Rate Mortgage: Annual Percentage Rate (APR) on a Webster Adjustable Rate mortgage is listed as an example only and does not represent a guaranteed rate by Webster Bank. Rate quoted is valid as of the effective date listed on the Adjustable Rate mortgage page. Rates are subject to change at any time. Please call 1-877-647-5137 or visit WebsterBank.com to check the latest rates. Rate quoted is a variable rate and will change every 6 months after the initial fixed period. The interest rate will be determined by adding the index to the margin. Rate includes a 0.125% discount for automatic payments (ACH) made from a Webster personal checking account. This discount does not apply to all mortgage products. Quoted rate displayed for Adjustable Rate Conventional 7/6m mortgage is for loan amount less than $647,201. Quoted rate displayed for Adjustable Rate Conventional 10/6m mortgage is for loan amount less than $647,201. All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time. Rate assumes purchase of a primary residence, single-family property.

3Government and State Agency Loans: All mortgages and borrowers are subject to credit approval. Government Mortgages have specific eligibility criteria, including income level and military service.