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Mortgage Rates


Rates effective March 08,2010

FIXED RATE MORTGAGES

 

Points

Interest Rate

APR

Payment/$1,000

10 year

1

4.125%

4.374%

$10.19

 

0

4.250%

4.283%

$10.25

15 year

1

4.250%

4.423%

$7.52

 

0

4.500%

4.523%

$7.65

20 year

1

4.750%

4.888%

$6.46

 

0

4.875%

4.894%

$6.53

30 year

1

5.000%

5.102%

$5.37

 

0

5.250%

5.264%

$5.53

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

 

 Fixed Rate First Time Home Buyer

Up to 95% Financing

Points

Interest Rate

APR

Payment/$1,000

30 Year No Fee

0

5.250%

5.250%

$5.53

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

 

Adjustable Rate Mortgages*

Points

Interest Rate

APR

Payment/$1,000

30 Year, 5 to 1

1

5.125%

3.641%

$5.44

 

0

5.375%

3.664%

$5.60

 30 Year, 7 to 1

0

5.500%

4.063% 

$5.68


Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment.
*The initial rate on the 5 to 1 and 7 to 1 ARMs may be discounted during the first 5 or 7 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, 5 to 1

0

5.375%

3.657%

$5.60

30 Year, 7 to 1

0

5.500%

4.056%

$5.68

Annual Percentage Rates (APR) are based on a $417,001 loan with a 20% down payment.
*The initial rate on the 5 to 1 and 7 to 1 ARMs may be discounted during the first 5 or 7 years. The annual percentage rate is subject to increase after closing.

 
Adjustable Rate Construction Mortgages*

Points

Interest Rate

APR

Payments/$1,000

30 Year, 5 to 1 Construction

0

5.375%

3.785%

$5.60

30 Year , 7 to 1 Construction

0

5.500%

4.216%

$5.68

30 Year, 5 to 1 Jumbo Construction

0

5.375%

3.756%

$5.60

30 Year, 7 to 1 Jumbo Construction

0

5.500%

4.185%

$5.68

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 5 to 1 and 7 to 1 ARMs may be discounted during the first 5 or 7 years. The annual percentage rate  is subject to increase after closing.

 FIXED RATE SPECIALTY MORTGAGES

FHA - UP TO 96.5% FINANCING
Purchase Rates

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1-4 Units

0

5.250%

5.291%

$5.53

USDA - 100% FINANCING    
Purchase rates

  Points

  Interest Rate

APR

Payment/$1,000

30 Year, 1 Unit

0

N/A%

N/A%

N/A

VA - 100% FINANCING          
 

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1 Unit

0

N/A

N/A

N/A

MASS HOUSING - 100% Financing
Purchase and limited cash out refinance

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1 Unit

0

5.375%

5.397

$5.60

MASS HOUSING - 97% Financing    
Purchase and limited cash out refinance

Points

Interest Rate

APR

Payment/$1,000

30 Year, 1-2 Units

0

5.375%

5.397%

$5.60

MASS HOUSING - 95% Financing
Purchase and limited cash out refinance

Points

Interest Rate

APR

Payment/$1,000

30 Year, 3-4 Units

0

5.375%

5.397%

$5.60

 

APR = Annual Percentage Rate
Rates subject to change.

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