About Andrew Adams
As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate.
Our client experience is built on three pillars:
**1. Speed:** We invest time upfront to ensure you're ready to make the strongest possible offer, with the ability to close within 2 weeks of acceptance.
**2. Certainty:** We go the extra mile in prequalifying you, ensuring your application and documentation are thoroughly vetted through the underwriting process prior to issuing a PowerBid+ Approval Letter.
**3. Confidence:** By focusing on preparation and empowerment, you gain the confidence to pursue what you want. This confidence sets your offers apart, making them more attractive to sellers.
Many consumers don't engage with a lender early enough in the homebuying process because getting a mortgage isn't the fun part of buying a home. Often, buyers find themselves scrambling to get pre-approved to make an offer on a home they fell in love with, rushing through the most important part of purchasing a home: being prepared to buy.
The right advice could help you find the right mortgage for you. Let's work together.
Get approved in one day
The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.375% | 6.664% | 0.823 ($2880.50) | $2183.54 |
| 15-year fixed | 5.375% | 5.860% | 0.71 ($2485.00) | $2836.63 |
| FHA loan | 5.990% | 7.044% | 0.731 ($2231.38) | $1964.90 |
| VA loans | 5.750% | 6.249% | 0.635 ($2594.61) | $2384.48 |
| Jumbo loans | 5.990% | 6.190% | 0.806 ($7254.00) | $5390.17 |
* Rates current as of 4/5/2025 10:42 pm, provided by Andrew Adams, for Middlesex County, MA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
- Monitor your loan status
- Connect with your loan team
- Calculators, tools, guides, and advice
- Track your home value
- Wellness tips to help you grow holistically
Download our app
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Located at 271 Waverley Oaks Road, Suite 306 Waltham MA, 02452
