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| Rates effective as of March 3, 2010 • For further information please call our Main Office at 781-444-2100 |
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Property Type
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Term & Loan Type
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Interest Rate
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Points
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Annual Percentage Rate (APR)
|
Monthly Pmts per $1000 Borrowed
|
Required Down Payment
|
| Conforming Fixed Rate Loans - : |
Loan Amounts up to $417,000. |
| Single Family Residence |
30 YR - Fixed |
5.750% |
0.000 |
5.761% |
$5.84 |
20% |
| Single Family Residence |
15 YR - Fixed |
5.250% |
0.000 |
5.268% |
$8.04 |
20% |
|
5 year certificate
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$1,000.00
|
3.00%
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$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
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5 year certificate
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$1,000.00
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3.00%
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$1,000.00
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$1,000.00
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$1,000.00
|
$1,000.00
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| Fixed Rate Loans - : |
Loan Amounts of $417,001. to $1,100,000. |
| 1 to 4 Family |
30 YR - Fixed |
6.375% |
0.000 |
6.386% |
$6.24 |
20% |
| 1 to 4 Family |
15 YR - Fixed |
6.000% |
0.000 |
6.022% |
$8.44 |
20% |
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
|
5 year certificate
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$1,000.00
|
3.00%
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$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
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| Fixed Rate Loans - : |
Loan Amounts of $1,100,001. to $2,000,000. |
| 1 to 4 Family |
30 YR - Fixed |
6.750% |
0.000 |
6.751% |
$6.49 |
20% |
| 1 to 4 Family |
15 YR - Fixed |
6.625% |
0.000 |
6.627% |
$8.80 |
20% |
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
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|
| Fixed Rate Loans - : |
Loan Amounts Above $2,000,000. |
| 1 to 4 Family |
30 YR - Fixed |
7.125% |
0.000 |
7.126% |
$6.74 |
20% |
| 1 to 4 Family |
15 YR - Fixed |
6.950% |
0.000 |
6.952% |
$8.96 |
20% |
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
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| ARM Loans - : |
Loan Amounts thru $1,100,000.00 / For Loan Amounts Greater than $1,100,000. - add .250% to Published Rate Below. Loan Amounts Greater than $2,000,001. - Please Call for Rate Quote |
| 1 to 4 Family |
3 / 1 YR - ARM |
5.125% |
0.000 |
3.589% |
36 @ $5.44 324 @ $4.36 |
20% |
| 1 to 4 Family |
5 / 1 YR - ARM |
5.500% |
0.000 |
4.096% |
60 @ $5.68 12 @ $4.63 288 @ $4.51 |
20% |
| 1 to 4 Family |
7 / 1 YR - ARM |
5.625% |
0.000 |
4.436% |
84 @ $5.76 12 @ $4.76 264 @ $4.59 |
20% |
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
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| * First Time Home Buyer Program* - : |
Conforming Loan Amounts up to $417,000. |
| * Single Family Residence |
30 YR - Fixed |
5.500% |
0.000 |
5.511% |
$5.68 |
10% |
| * Single Family Residence |
5 / 1 YR - ARM |
5.000% |
0.000 |
3.810% |
60 @ $5.37 300 @ $4.41 |
10% |
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
|
5 year certificate
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$1,000.00
|
3.00%
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$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
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| Not 7 Categories: |
Not 7 Categories |
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5 year certificate
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$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
|
5 year certificate
|
$1,000.00
|
3.00%
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
$1,000.00
|
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| * FIRST TIME HOME BUYER PROGRAM: Eligible for loans in the towns of Needham, Dedham, Medfield, Wellesley, Westwood, Dover, Weston, and Natick. FIRST TIME HOME BUYER PROGRAM * (FTHB) - Single Family Residence/ Owner Occupied DOWNPAYMENT: 10% (*Market Area Specified Above) DOWNPAYMENT: 20% (Outside Specified Market Area) HOUSING RATIO: PITI = 35% TOTAL DEBT RATIO: TDI = 40%. ADJUSTABLE RATE MORTGAGE: Residential Index as of 2/26/2010, 0.34% weekly average yield. On U.S. Treasury securities adjusted to a constant maturity 1 YR. Caps: 2% (+)(-) from previous adjustment date. 6% (+)(-) during term of note - margin : 2.75% basis points. IMPORTANT NOTES: "APR" Calculation assumes $100,000 loan amount with 20% down payment. Adjustable rate loans may increase during the life of loan. Title insurance required on all loans. Payments do not include taxes and insurance. Your payment will be greater if the loan is secured by a first lien. |
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