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LOAN PROGRAMS, INTEREST RATES AND ANNUAL PERCENTAGE RATES (APRS) ARE EFFECTIVE AS OF THE DATE SHOWN AND ARE SUBJECT TO CHANGE WITHOUT NOTICE

First-Time Homebuyer Programs

1-4 Family Owner Occupied Only Rate Points Annual Percentage Rate APR* Monthly Payment Per $1,000 **
MassHousing Mortgage 30 Year Fixed (Purchases only) ***4.000%0.00 4.113%$4.77
ONE Mortgage 30 Year Fixed
30 Year Fixed (Purchases only) ****
3.375% 0.00 3.431% $4.42
Homestart 7/1 ARM 30 Year
(Caps 2/6 - Margin 2.875)
3.500% 0.00 4.109% Year 1-7, rate 3.500%, 84 payments of $4.49; Year 8-30, rate 4.500%, 276 payments of $4.95

*** Income restrictions apply. Up to 97% Financing

**** Property location and Income restrictions apply. Up to 97% Financing

Fixed Rate Conforming - First Mortgage Loans

1-4 Family Owner Occupied Only Rate Points Annual Percentage Rate APR* Monthly Payment Per $1,000 **
30 Year3.625%0.00 3.726%$4.56
15 Year3.125%0.00 3.305%$6.97
1-4 Family Non-Owner Occupied (Investment) Rate Points . Monthly Payment Per $1,000 **
30 Year4.125%0.00 4.229% $4.85
15 Year3.875% 0.00 4.058% $7.33

Fixed Rate Jumbo - First Mortgage Loans

1 & 2 Family Owner Occupied Only Rate Points Annual Percentage Rate APR* Monthly Payment Per $1,000 **
30 Year (a)4.000% 0.00 4.019% $4.77
15 Year3.875% 0.00 3.910%$7.33
1-4 Family Non-Owner Occupied (Investment) Rate Points . Monthly Payment Per $1,000 **
30 Year4.500% 0.00 4.520% $5.07
15 Year4.500% 1.00 4.550% $7.65

* APR based upon 20% down payment.
** Property insurance is required. Payments do not include taxes and/or insurance. Actual payment may be greater.

(a) Purchases and Refinances new to the Bank. Jumbo pricing for amounts up to $2MM

PRICING ADJUSTMENTS MAY APPLY BASED UPON CREDIT SCORE, LOAN-TO-VALUE, PROPERTY TYPE, AND/OR OCCUPANCY.
Other terms also available – Please call for pricing.

Adjustable Rate - Conforming Loans

1-4 Family Owner Occupied Only Rate Points Annual Percentage Rate APR* Monthly Payment Per $1,000 **
3/1 ARM (Caps 2/6 - Margin 2.75)3.375% 0.00 4.228% Year 1-3, rate 3.375% 36 payments of $4.42; Year 4-30, rate 4.3750%, 324 payments of $4.94
5/1 ARM (Caps 2/6 - Margin 2.75)3.500% 0.00 4.143% Year 1-5, rate 3.500%, 60 payments of $4.49; Year 6-30, rate 4.375%, 300 payments of $4.92
7/1 ARM (Caps 2/6 - Margin 2.875)3.625% 0.00 4.168% Year 1-7 rate 3.625% 84 payments of $4.56; Year 8-30, rate 4.500%, 276 payments of $4.97
10/1 ARM (Caps 5/2/6 - Margin 2.875)3.875% 0.00 4.197% Year 1-10, rate 3.875%, 120 payments of $4.70 Year 11-30, rate 4.500%, 240 payments of $4.96
1-4 Family Non-Owner Occupied Rate Points . Monthly Payment Per $1,000 **
3/1 ARM (Caps 3/6 - Margin 3.50)4.125% 0.00 4.978% $4.85
5/1 ARM (Caps 3/6 - Margin 3.50)4.250% 0.00 4.892%$4.92
7/1 ARM (Caps 3/6 - Margin 3.50) (a)4.625%0.005.034%$5.14

* APR based upon 20% down payment and a loan term of 30 years.
** Property insurance is required. Payments do not include taxes and/or insurance. Actual payment may be greater.

(a) Purchases and Refinances new to the Bank. Jumbo pricing for amounts up to $2MM

All adjustable rates are for mortgages up to $2,000,000. Other terms also available – Please call for pricing. APRs on adjustable rate loans may vary and rates may increase after consummation of the loan.

 

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Home Equity Programs

1-4 Family Owner Occupied Only Rate Points Annual Percentage Rate APR Monthly Payment Per $1,000 *
Equity Edge Loan (10 Year Fixed Rate Term)4.750%0.004.764%$10.48
Equity Edge Loan (15 Year Fixed Rate Term)5.000%0.005.010%$7.91
Equity Edge Loan (20 Year Fixed Rate Term)5.250%0.005.258%$6.74
Equity Edge Line of Credit (10 Year Draw Period - 10 Year Repayment) **2.99% for the first 12 months0.002.99% for the first 12 months$4.99

1-4 Family Investment Equity Loan programs available. Please call for details.

* Property insurance is required. Payments do not include taxes and/or insurance. Actual payment may be greater.

** APR 2.99% is fixed for the first 12 months. After the introductory period, APR on outstanding balance is variable and based on the Prime Rate plus 0.00% (currently 4.75%), for 1-4 family owner occupied homes as published in the Wall Street Journal, subject to change on the last business day of each month effective with the first day of the following month. Maximum APR is 18%. Minimum APR 4.75%. Consult your tax advisor about deductibility.