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Mortgage Rates
Fixed Rate Mortgages
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Term |
Rate |
Points |
APR* |
Payment per $1,000 borrowed |
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10 Years |
4.50% |
0 |
4.50% |
$10.36 |
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15 Years |
4.50% |
0 |
4.50% |
$7.65 |
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20 Years |
5.00% |
0 |
5.00% |
$6.60 |
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25 Years |
5.50% |
0 |
5.50% |
$6.14 |
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30 Years |
5.75% |
0 |
5.75% |
$5.85 |
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Effective May 24, 2010 |
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Payment does not include insurance and taxes and will be greater if the loan is a 1st lien. |
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Adjustable Rate Mortgages
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Program |
Rates |
Points |
APR* |
Payment per $1,000 borrowed |
3 Year ARM
Caps 3%/5% |
4.500% |
0 |
4.870% |
Payments 1-36: $5.07 |
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Payments 37-360: $5.34 |
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Fully Indexed Rate |
5.000% |
0 |
5.000% |
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7/3 ARM
Caps 3%/5% |
5.000% |
0 |
5.000% |
Payments 1 - 84: $5.37 |
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Payments 85 - 360: $5.37 |
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Fully Indexed Rate |
5.000% |
0 |
5.000% |
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Effective May 24, 2010 Maximum Term 30 Years. Up to 80% of property value available for 1-4 family owner occupied homes. APR may change after consumation. |
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Payment does not include insurance and taxes and will be greater if the loan is a 1st lien. |
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First Time Home Buyer
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Term |
Rates |
Points |
APR* |
Payment per
$1,000
borrowed |
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20 Years |
5.00% |
0 |
5.00% |
$6.60 |
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25 Years |
5.50% |
0 |
5.50% |
$6.14 |
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30 Years |
5.50% |
0 |
5.50% |
$5.68 |
Effective May 24, 2010
Fixed Rate.
Up to 90% financing on 1-4 family
owner occupied homes with no PMI. |
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20 Years |
4.75% |
0 |
4.75% |
$6.46 |
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25 Years |
5.25% |
0 |
5.25% |
$5.99 |
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30 Years |
5.25% |
0 |
5.25% |
$5.52 |
Effective May 24, 2010.
Fixed Rate.
Up to 95% financing on 1-4 family
owner occupied homes with PMI required on more than 80% financing. |
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Payment does not include insurance and taxes and will be greater if the loan is a 1st lien. |
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*APR is defined as the Annual Percentage Rate.
Banking the way you like it
For more information about our products and services, please use our information request form, stop by any office or call (413) 743-0001 to speak with a member of our staff.
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