Mortgage Services

Mortgage Rates & Tools

Limited Time Offer!

We are currently offering for a limited time, a special competitive rate of 3.000% with an APR of 3.105% on a 5/1 Adjustable-Rate Mortgage* on loans up to $2 million. We invite you to consider Bank of Cape Cod for your mortgage needs, or recommend us to your customers. Our local knowledge, experience, and high level of customer service have already earned us a place in the Top 10 of residential lenders in Barnstable County. 

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*APR is Annual Percentage Rate. Rate is subject to change at any time. Annual Percentage Rate may be increased after consummation on Adjustable Rate Mortgages. Our 5-year Adjustable-Rate Mortgage offers a fixed interest rate for the first five years of the loan. After that, the interest rate can increase or decrease up to 5 percent the first year and 2 percent per year after that, with a lifetime cap of 5 percent. These rate increases are based on a margin and an index. The index we use is the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the London market (“Libor”), as published in the Wall Street Journal and the margin we use is 2.25 percent. Actual interest rate may vary based on credit history, Loan-to-Value and purpose of transaction. The 5/1 ARM rate assumes 60 payments at $4.15 per $1,000, 299 payments at $4.09 per $1,000 and 1 payment of $4.09 per $1,000. Payments do not include amounts for taxes and insurance premiums; actual payments obligation will be greater.

Mortgage Tools

Purchasing a home is perhaps the biggest financial decision you will make. We know there are many decisions involved in the process. We have provided some mortgage tools that can help in your decision-making process. Keep in mind these tools are simply that – tools to give you some relevant information and provide needed assistance. Quoted rates and payments should not be considered a guarantee or any type of approval.

Rates are subject to change without notice. When ready, you should always consult with one of our mortgage loan officers for more specific information.