Local Lending that Stays Local

Effective: January 19, 2026

^{*All rates shown above reflect the auto pay option. To qualify for our autopay rate, your monthly mortgage payments must be automatically withdrawn from a WSB Checking Account and a WSB debit card activated prior to closing. Should you cancel your automated monthly withdrawal, your interest rate will change to the non-autopay rate. Non-autopay rates are .25% higher. 
**ARMs are variable rate products and may increase after you obtain the loan. Caps are 2% at each rate change period and 6% for life of loan.
Rates for owner-occupied properties only. Rates are also based on 80% CLTV and credit score of 740 or higher. If minimum credit score is not met .25% will be added to the initial rate. Subject to credit approval.  APRs listed are based on $400,000 loan for all ARM and conforming fixed rate loan products, and $766,551 for all jumbo fixed rate loan products. Your APR will vary based on your final loan amount and finance charges. Jumbo mortgages are defined as loans in excess of $832,750 (single family & condominium), $1,066,250 (two-family), $1,288,800 (three-family), and $1,601,750 (four-family). All jumbo loans require a minimum down payment of 20%.
Freedom 30: There will be a $1,000.00 documentation and rate change fee should you opt to reduce to a lower rate. You may elect one-time over the life of your mortgage to switch to a lower rate on a 30-year fixed-rate mortgage as published by Watertown Savings Bank. Upon your rate change election, the new rate will apply to the remaining term of your WSB mortgage at the beginning of your next payment cycle and will be based on the original maturity date of your mortgage. At the time of the WSB Rate reduction, your mortgage must be current and have experienced no delinquencies in the prior 180 days.
The Secure and Fair Enforcement Mortgage Licensing Act (also known as the SAFE Act) was updated in June 2011 and requires that all Mortgage Loan Originators (MLO) be registered with the Nationwide Mortgage Licensing System (NMLS) and Registry, and their full name and registration number be accessible to the general public. The NMLS ID for Watertown Savings Bank is 462041. The listed employees of Watertown Savings Bank have been registered (MLO Registration number in parentheses) and are fully compliant with the requirements of the SAFE Act. FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: Federal Reserve Consumer Help P.O. Box 1200 Minneapolis, MN 55480.}

^{FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE}

^{The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.}

^{The Federal Agency that administers compliance with this law concerning this creditor is:  Federal Reserve Consumer Help P.O. Box 1200 Minneapolis, MN  55480}

^{All rates are subject to change without notice.}