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Rates

Today's Rates

Get a snapshot of today’s mortgage rates and see how they could impact your financing plans.

Find My Rate

Get a custom rate estimate in minutes. No guesswork, just real numbers.

Rates Header Image

Calculators

Apply Now

Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.

Mortgage Calculator

Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.

Customers

Make A Payment

Need to make a payment? We make it easy to manage your mortgage anytime, anywhere.

Apply Now

Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.

Lower My Payment

Even small changes can lead to big savings. Discover ways to lower your monthly mortgage payment.

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(978) 495-0257Get Pre-Qualified
John Goscila

John Goscila

Mortgage Banker NMLS #756126

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978.495.0257

I decided to join the Residential Mortgage lending industry as a Senior Mortgage Officer in September of 1991 after 3 years' experience in mortgage servicing. Within my 32 years of experience, I have analyzed my client's financial situation to find the best mortgage program that fits their needs.

Your local expert

Wherever you're located, I'm here to help.

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Mortgage rates today

The current 30-year fixed rate mortgage is as low as 6.375%. Get a personalized quote in just a few minutes.

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Above rates last updated December 12th 2025, 4:30pm EST.

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jgoscila@totalmortgage.com

(978) 495-0257