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Mortgage Rates


Rates effective December 3,  2008

FIXED RATE SPECIALTY MORTGAGES

FHA - UP TO 97% FINANCING
Purchase Rates

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1-4 Units

0

6.125%

6.167%

$6.08

USDA - 100% FINANCING
Purchase rates

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1 Unit

0

     6.000%

6.042%

$6.00

 

MASS HOUSING - ADVANTAGE - LOW    
Purchase Rates

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1-4 Units

2

5.500%

5.695%

$5.68

30 Year, 1-4 Units

0

5.750%

5.761%

$5.84

Lower income limits apply.    

MASS HOUSING - ADVANTAGE 
Purchase Rates

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1-4 Units

2

5.750%

5.948%

$5.84

30 Year, 1-4 Units

0

6.000%

6.012%

$6.00

Lower income limits apply.    

MASS HOUSING - MY COMMUNITY - 100
Purchase and limited cash out refinance

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1 Unit

0

6.000%

6.023%

$6.00

MASS HOUSING - MY COMMUNITY - 97
Purchase and limited cash out refinance

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1-2 Units

0

6.000%

6.023%

$6.00

MASS HOUSING - MY COMMUNITY - 95
Purchase and limited cash out refinance

Points

Interest Rate

APR

Payment/$1,000

30 Year, 3-4 Units

0

6.000%

6.023%

$6.00

Annual Percentage Rates (APR) are based on $200,000 loan with a 20% down payment. Other products and rates available.

 FIXED RATE MORTGAGES

 

SECONDARY MARKET  

SERVICED AT ROLLSTONE BANK  

 

Points

Interest Rate

APR

Payment/$1,000

Interest Rate

APR

Payment/$1,000

10 year

1

5.750%

6.006%

$10.98

5.500%

5.755%

$10.86

 

0

6.000%

6.034%

$11.10

5.750%

5.784%

$10.98

15 year

1

5.750%

5.930%

$8.30

5.500%

5.679%

$8.18

 

0

6.000%

6.024%

$8.44

5.750%

5.774%

$8.31

20 year

1

5.750%

5.893%

$7.03

5.750%

5.893%

$7.03

 

0

6.000%

6.019%

$7.17

5.990%

6.019%

$7.17

30 year

1

5.750%

5.857%

$5.84

5.750%

5.857%

$5.84

 

0

6.000%

6.014%

$6.00

5.990%

6.015%

$6.00

40 year *20-20

1

n/a

n/a

n/a

5.750%

6.046%

$5.33

 

0

n/a

n/a

n/a

5.990%

6.169%

$5.50

Annual Percentage Rates (APR) are based on $200,000 loan with a 20% down payment. 

*The initial rate on the 40 year 20-20 ARM may be discounted during the first 20 years. The annual percentage rate is subject to increase after closing.

Fixed Rate Jumbo Mortgages    

Mortgages over $417,001

Points

Interest Rate

APR

Payment/$1,000

15 year

1

5.500%

5.667%

$8.18

 

0

5.750%

5.761%

$8.31

30 year

1

5.750%

5.918%

$5.84

 

0

5.990%

6.022%

$6.00

Annual Percentage Rates (APR) are based on a $417,001 loan with a 20% down payment.

Fixed Rate 1st Time Home Buyer    

Up to 100% Financing

Points

Interest Rate

APR

Payment/$1,000

30 Year No Fee

0

5.990%

5..990%

$6.00

Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment.

Fixed Rate Construction Mortgages

Points

Interest Rate

APR

Payments/$1,000

15 Year Fixed Construction

0

5.750%

6.586%

$8.31

30 Year Fixed Construction

0

5.990%

6.710%

$6.00

15 Year Jumbo Fixed Construction

0

5.750%

6.274%

$8.31

30 Year Jumbo Fixed Construction

0

5.990%

6.305%

$6.00

Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment. Jumbo loans based on $417,001 loan with 20% down payment.

ADJUSTABLE RATE MORTGAGES

Adjustable Rate Construction Mortgages*

Points

Interest Rate

APR

Payments/$1,000

30 Year, 3 to 1Construction

0

5.750%

3.955%

$5.84

30 Year , 5 to 1 Construction

0

5.875%

4.385%

$5.92

30 Year, 3 to 1 Jumbo Construction

0

6.000%

4.031%

$6.00

30 Year, 5 to 1 Jumbo Construction

0

6.125%

4.501%

$6.08

Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment. Jumbo loans based on $417,001 loan with a 20% down payment..   
*The initial rate on the 3 to 1 and 5 to 1 ARMs may be discounted during the first 3 or 5 years. The annual percentage rate  is subject to increase after closing.

Adjustable Rate Jumbo Mortgages*
Mortgages over $417,001 Points Interest Rate APR Payment/$1,000

30 Year, 3 to 1

0

5.750%

3.769%

$5.84

30 Year, 5 to 1

0

5.875%

4.179%

$5.92

30 Year, 7 to 1

0

5.990%

4.576%

$6.00

Annual Percentage Rates (APR) are based on a $417,001 loan with a 20% down payment.
*The initial rate on the 3 to 1 and 5 to 1 ARMs may be discounted during the first 3 or 5 years. The annual percentage rate is subject to increase after closing.

Adjustable Rate Mortgages*

Points

Interest Rate

APR

Payment/$1,000

30 Year, 3 to 1

0

5.750%

3.776%

$5.84

30 Year, 5 to 1

1

5.750%

4.220%

$5.84

30 Year, 5 to 1

0

5.875%

4.186%

$5.92

30 Year, No Fee 7 to 1

0

5.990%**

4.570%

$6.00

Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment.
*The initial rate on the 3 to 1 and 5 to 1 ARMs may be discounted during the first 3 or 5 years. The annual percentage rate is subject to increase after closing.
**Payments must be automatically deducted from a Rollstone Bank & Trust checking or statement savings account. Other terms available.

APR=Annual Percentage Rate

Rates subject to change.

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