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Mortgage Rates
Mortgage and Home Equity Line / Loan Rates
Effective Date Effective February 1, 2012
Rates Subject to Change Without Notice |
| Loan Type |
Rate* |
Points |
APR** |
Minimum Down Payment |
Estimated payment per $1,000 |
| Conforming Fixed |
| 30 Year Fixed Rates |
3.625% |
2 |
3.852% |
5% |
$4.56 |
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3.750% |
1 |
3.895% |
5% |
$4.63 |
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3.875% |
0 |
3.937% |
5% |
$4.70 |
| 20 Year Fixed Rates |
3.500% |
2 |
3.816% |
5% |
$5.80 |
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3.625% |
1 |
3.826% |
5% |
$5.86 |
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3.750% |
0 |
3.836% |
5% |
$5.93 |
| 15 Year Fixed Rates |
2.875% |
2 |
3.402% |
5% |
$6.85 |
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3.000% |
1 |
3.380% |
5% |
$6.91 |
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3.125% |
0 |
3.359% |
5% |
$6.97 |
| 10 Year Fixed Rates |
2.875% |
2 |
3.586% |
5% |
$9.60 |
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3.000% |
1 |
3.496% |
5% |
$9.66 |
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3.125% |
0 |
3.408% |
5% |
$9.71 |
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*All APRs based on $180,000 loan amount with 20% down.
 for Additional Disclosure Information |
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| Conforming ARMs |
| 10-30 Year Term - 5/1 ARM |
3.750% |
0 |
3.794% |
5% |
$4.63 |
| 10-30 Year Term - 3/3 ARM |
3.500% |
0 |
3.848% |
5% |
$4.49 |
2% Adjustment -6% Life 2.75% on 1/1 & 2.875% Margin on 3/3. Margin Affects APR.
for Disclosure Information |
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| MassHousing |
| 30 Year Term - Fixed Rate |
4.125% |
0 |
4.181% |
3% |
$4.85 |
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Call our Mortgage Originators for other MassHousing Specials.
Annual Percentage Rate. All APR's based on $180,000 Loan Amount with 20% Down Payment
for Disclosure Information |
| Loan Type |
Term |
APR |
Min/Max Amounts |
Estimated payment per $1,000 |
| Home Equity Loans - Second Mortgage Fixed |
| LTV 80%< |
1-7 Years |
5.000% |
$5,000 min |
$14.13 |
| LTV 80%< |
8-10 Years |
5.250% |
$5,000 min |
$10.73 |
| LTV 80%< |
11-15 Years |
5.375% |
$5,000 min |
$8.10 |
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Maximum 75% LTV. Insurance is required. Appraisals required at at fee of $400 (for single family) paid by the Borrower(s).
** Annual Percentage Rate. All APR's based on $180,000 Loan Amount with 20% Down Payment
for Disclosure Information |
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| Convertible Home Equity - Line of Credit |
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10-20 Years |
3.00%1 |
$5,000 min |
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1Prime Rate - .25% with automatic payment from First Citizens' Checking adjusted monthly (Prime Rate is at 3.25%). However, never lower than the floor rate of your start rate. Free Closing Costs (some restrictions may apply) Property Insurance required. Maximum APR 18%. Appraisals required at fee of $400 (for single family) paid by the Borrower(s). Special closing offers do not include the appraisal fees. Please refer to our Disclosure for more information. It's available at any branch, upon request by email or by clicking on the link below.
for Disclosure Information
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