Mortgage Rates

Whether you’re buying your first place, refinancing, or moving to your next home, Stoughton Co-Operative Bank is ready to move for you.

Use these calculators as you make mortgage decisions.

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Program	Term	Interest Rate	Points	APR	Monthly Payments per $1,000 borrowed
30 Year Conforming	30 Years	5.990%	0	6.066%	$5.99
		5.740%	1	5.908%	$5.83
		5.490%	2	5.748%	$5.67
20 Year Conforming	20 Years	5.875%	0	5.976%	$7.09
		5.625%	1	5.848%	$6.95
		5.375%	2	5.720%	$6.81
15 Year Conforming	15 Years	5.625%	0	5.749%	$8.24
		5.375%	1	5.653%	$8.10
		5.125%	2	5.557%	$7.97
10 Year Conforming	10 Years	5.500%	0	5.675%	$10.85
		5.250%	1	5.644%	$10.73
		5.000%	2	5.614%	$10.61

1 Annual Percentage Rate (APR) effective December 19, 2025 and subject to change without notice. The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is within Norfolk, Bristol or Plymouth County. The property is an existing single-family home and will be used as a primary residence. An escrow account may be required. Payment amounts do not include taxes and insurance. The actual payment obligation may be greater. The rate lock period is 60 days. Subject to credit approval. Additional terms-Rates are available for a purchase money mortgage on loans up to $726,200.00. Rates quoted are for single family detached, owner occupied primary residential properties. PMI (Private Mortgage Insurance) is required on residential mortgages with less than 20% down payment. Payment amounts do not include taxes and insurance. The actual payment obligation may be greater. Additional programs may be available. Please call for rates on higher loan amounts.

Program	Term	Rate	Points	APR	Monthly Payments per $1,000 borrowed		Margin	Index*
3 Year ARM 2/6 Caps	30 Years	5.500%	0	6.780%	Months 1 to 36	$5.68	2.875%	4.29%
					Months 37 to 359	$6.66
					Months 360	$6.66
5/1 Year ARM 2/6 Caps	30 Years	5.500%	0	6.461%	Months 1 to 60	$5.68	2.875%	4.17%
					Months 61 to 72	$6.53
					Months 73 - 360	$6.53
7/1 Year ARM 5/2/5 Caps	30 Years	5.875%	0	6.474%	Months 1 to 84	$6.92	2.875%	4.17%
					Months 85 to 96	$6.53
					Months 97 - 360	$6.53
First Time HomeBuyer 5/3 ARM 2/6 Caps	30 Years	5.500%	0	6.556%	Months 1 to 60	$5.68	2.875%	4.29%
					Months 61 to 96	$6.61
					Months 97 -360	$6.61

1 Annual Percentage Rate (APR) effective January 13, 2025 and subject to change without notice. The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is within Norfolk, Bristol or Plymouth County. The property is an existing single-family home and will be used as a primary residence. An escrow account may be required. Payment amounts do not include taxes and insurance. The actual payment obligation may be greater. The rate lock period is 60 days. Subject to credit approval. Additional terms-Rates are available for a purchase money mortgage on loans up to $726,200.00. Rates quoted are for single family detached, owner occupied primary residential properties. PMI (Private Mortgage Insurance) is required on residential mortgages with less than 20% down payment. Payment amounts do not include taxes and insurance. The actual payment obligation may be greater. Additional programs may be available. Please call for rates on higher loan amounts. 2 Rates may increase after consummation.

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