About Don Carey
I have been in the mortgage business for over 20 years. During this time, I have had the pleasure, and the privilege, of helping thousands of people with buying their dream home. I have also been able to help my clients refinance their homes to save money, pull money out of homes to renovate, and help consolidate their bills, which is especially useful when they have student loan debt. To me, these aspects of my job are extremely rewarding. There are not too many professions that have such an instant and profound impact on peoples lives, and I thoroughly enjoy having the opportunity to help others. My high school education took place at St Sebastian's School in Newton, MA (now in Needham, MA). From there, I went on to get my bachelor's degree from Providence College, majoring in Marketing. Over the years, I can see where these two schools have really helped guide my life toward a profession where I am able to serve and help others. I currently live in Norfolk, MA. I am married and have two children. I am proud to say that both my daughter and son have graduated from Boston College. In my free time, I try to go to as many sporting events at "The Heights" as I can. I'm also still trying to work on my golf game. Life is good!
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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% | 6.676% | 0.888 ($3108.00) | $2183.54 |
| 15-year fixed | 5.375% | 5.878% | 0.776 ($2716.00) | $2836.63 |
| FHA loan | 5.990% | 7.041% | 0.721 ($2200.86) | $1964.90 |
| VA loans | 5.750% | 6.275% | 0.774 ($3162.57) | $2384.48 |
| Jumbo loans | 6.000% | 6.263% | 0.927 ($8343.00) | $5395.95 |
* Rates current as of 4/6/2025 03:00 am, provided by Don Carey, 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.
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