About Team Santini
**Lesley Santini** (NMLS # 38458)
**Lindsay Santini** (NMLS #: 40411)
Lesley & Lindsay Santini have been providing home financing; purchase and refinance mortgages for over 45 years collectively to hundreds of satisfied, repeat customers. Their expertise covers all areas of the mortgage industry with Lesley concentrating in divorce lending and Lindsay specializing in constructions loans. As a Certified Divorce Lending Professional, Lesley helps her divorcing clients navigate the often challenging and emotional settlement process to better enable future mortgage financing. With an extensive career focusing on construction lending, Lindsay helps buyers and homeowners navigate the complexities of building or renovating their home. Their expert industry knowledge has consistently helped their clients structure the optimal mortgage to achieve their financial goals. They both take the extra time to educate and advise their buyers to ensure they have a smooth home buying experience.
They grew up in Winchester, MA with their brother Rugo. Lesley received an Economics degree from Trinity College & Lindsay received her Bachelors in American Studies & Business from Colby College. After graduating, they both moved back to Boston where they joined the mortgage business while pursuing their Masters in Real Estate Management from Bentley University. After focusing on their individual careers, it has come full circle and now Lesley & Lindsay are back as a team, bringing their joint expertise, dedication, and premier customer service to their borrowers. Helping clients become homeowners has always been the most rewarding aspect of their job.
Lesley is a mother to two children, Samantha (10) and Beau (7) & Lindsay has two active boys, Vincent (12) & Joey (9). When not assisting clients or out with colleagues you can find them around town or on the sports fields or hockey rinks with their energetic kids. They also love to spend time in Falmouth, at the beach, golfing or cooking.
The right advice could help you find the right mortgage for you. Let's work together.
Current mortgage rates
Points:
Loan Type | Rate | APR | Points | Mo. Payment |
---|---|---|---|---|
30-year fixed | 6.750% | 7.102% | 0.96 ($3360.00) | $2270.09 |
15-year fixed | 5.875% | 6.284% | 0.575 ($2012.50) | $2929.91 |
FHA loan | 6.150% | 7.233% | 0.982 ($2997.56) | $1996.43 |
VA loans | 6.125% | 6.709% | 0.928 ($3791.81) | $2482.70 |
Jumbo loans | 6.400% | 6.635% | 0.874 ($7866.00) | $5629.55 |
* Rates current as of 2/19/2025 06:32 am, provided by Team Santini, 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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Located at 48 Mt. Vernon St., Suite 300 Office 206 Winchester MA, 01890