Craig Ames, NMLS 654776- Dedham Savings, NMLS 473998

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United States
Dedham, MA
Craig Ames, NMLS 654776- Dedham Savings, NMLS 473998

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Assisting South Shore homebuyers and homeowners seeking to purchase or refinance a home! This is not a loan commitment or guarantee of any kind.

Cardinal Financial Company, Limited Partnership | NMLS 66247
Equal Housing Opportunity. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at time of origination. Rates and terms are subject to change without notice. Corporate Address: 3701 Arco Corporate Drive, Suite 200, Charlotte, North Carolina 28273. Cardinal Financial Company, Limited Partnership NMLS 66247, for licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: http://cardinalfinancial.com/nmls-licensing/. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. Please notify sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient, you are notified that disclosing, copying, distributing, or taking any action in reliance on the contents of this information is strictly prohibited.

10/28/2026

With mortgage rates on the rise over the past several months there certainly has been less competition out there. Also, there is now more inventory sitting on the market longer which can give the buyers negotiating power on their offers. If buyers wait for rates to come down the opposite outcome. Remember you marry the house & date the rate. When rates come back down there is always the opportunity to refinance into a lower rate. I've been putting many of my clients in an ARM program that offers a much lower rate/payment compared to a traditional 30yr fixed rate program.

09/23/2026

Down payment as low as 3% - ok!
Up to $30,000 in down payment assistance for first time buyers-ok!
No PMI program options- ok!
Local underwriting & servicing, free prequalification, array of mortgage programs & 90-day rate locks available with Dedham Savings portfolio loans!

07/22/2026

Need a Mortgage? Always available to help field any home loan questions!!!

07/15/2026

Always available to field any home loan financing questions! Down payment assistance programs are offered!

07/07/2026

06/23/2026

During , we’re showcasing our experienced Loan Officers and asking them what piece of advice they have for home buyers.

This week, we’re talking with Craig Ames, Mortgage Loan Officer, who brings three decades of strong relationships with satisfied clients, built on Craig’s excellent customer service and attention to detail.

Craig’s advice to those in today’s home buying market is to, “purchase a home on what you can comfortably afford each month, not the maximum amount a lender can qualify you for. Consider the full monthly cost (principal & interest, property taxes, insurance, applicable HOA fees, utilities, repairs) and the interest rate environment when deciding amongst your options for a home and mortgage plan.”

Learn how the Mortgage Team at Dedham Savings can help homebuyers on their journey home:
https://bit.ly/4uxify9

06/09/2026

The primary advantage of an Adjustable-Rate Mortgage (ARM) is its lower initial interest rate compared to a fixed-rate loan. The introductory period -typically lasting 3,5,7 or 10 years-gives borrowers smaller monthly payments, freeing up cash for other investments, savings or to qualify for a larger loan.

06/08/2026

https://www.facebook.com/share/p/1D3mT5U319/

With June being National Homeownership Month, we wanted to use today’s to highlight why you should always see a home in-person before making an offer.

While the housing market is competitive, you should protect yourself from falling for a deceptive home listing. Visiting the home before buying allows you to evaluate every individual room, the flooring, ceiling, structural integrity, utilities, and even the surrounding neighborhood!

Don’t rush into a decision because you are afraid the home might be sold before you can bid for it. Take your time and balance your decision based on what you like and don’t like about each house you visit.

https://www.dedhamsavings.com/why-buying-a-home-sight-unseen-is-a-bad-idea/

05/29/2026

Thinking you can't afford to purchase a house in this market because home prices are too high? Dedham Savings offers a 40-year term that makes your payment much lower than a traditional 30-year term. Happy to field any questions!

04/27/2026

3% Down Payment & No PMI-No Problem!!!

Address

55 Elm Street
Dedham, MA
02026

Telephone

+17816817201

Website

https://www.dedhamsavings.com/

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