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Today's Rates

Annual Percentage Rate as low as:
30 Year Fixed 4.817% Apply
5 Year ARM 4.397% Apply
New/Used Auto Purchase3.00%Apply
Annual Percentage Yield as high as:
Variable IRA0.45%Apply
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Annual Percentage Rate as low as:
30 Year Fixed 4.817% Apply
15 Year Fixed 4.240% Apply
5 Year ARM 4.397% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.342% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase3.00%Apply
New/Used Auto Refinance3.00%Apply
New RV8.25%Apply
Used RV8.50%Apply
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A longtime Align team Member, Derek has an extensive background in member service which gives him a unique ability to help Members find the right mortgage that fits their needs and timeframe.  Having bought his own home at a young age, Derek is knowledgeable about what buyers are looking for when it comes to finding and financing a home in a fast-paced market.  A lifelong Lowell resident, Derek is very involved in the Greater Lowell community.  From finding downpayment assistance funds or a realtor to getting homeowner’s insurance or a closing attorney, Derek will assist Members every step of the way.  Derek is registered with the National Mortgage Licensing System (NMLS ID 1112025).

Contact Derek

office: (978) 275-2753, cell: (978)758-8839
fax:(978) 452-2227

87 Hale Street, Lowell, MA 01851

About Derek

  • I’m the treasurer for the Portuguese American Civic League and the Massachusetts State Soccer League
  • I’m on the board of directors for the Escudos de Portugal Soccer Club
  • I manage and coach at the Lowell United Soccer Club

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