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Mortgage Rates

Mortgage and Home Equity Line / Loan Rates
Effective Date Effective April 18, 2014
Rates Subject to Change Without Notice
Loan Type Rate* Points APR** Minimum Down Payment Estimated payment per $1,000
 2.25%*  Home Equity Line of Credit Special Offer!

Be prepared for anything life throws your way with a low rate Home Equity Line of Credit. Consider it a safety net available to dip into especially when you need it most. Other terms and restrictions may apply. See details below.

Conforming Fixed
30 Year Fixed Rates 4.125% 2 4.362% 5% $4.85

4.250% 1 4.402% 5% $4.92

4.375% 0 4.442% 5% $4.99
20 Year Fixed Rates               3.750% 2 4.074% 5% $5.93

3.875% 1 4.082%  5% $5.99

4.000% 0 4.091% 5% $6.06
15 Year Fixed Rates

3.125%

2 3.534% 5% $6.97

3.250% 1 3.511% 5% $7.03

3.375% 0 3.490% 5% $7.09
10 Year Fixed Rates 2.750% 2

           3.341%

5%

$9.54


2.875% 1

3.252%

5% $9.60

3.000%

0 3.165% 5%

$9.66

*All APRs based on $180,000 loan amount with 20% down. For example, a mortgage loan of $180,000 with an annual interest rate of 4% for a 30-year term would be $859.35. Payment does not include real estate taxes or mortgage insurance. Payment may be higher. 
 
 for Additional Disclosure Information

For a fixed rate construction loan contact your local Mortgage Originator.
Pricing on the 30 yr FIXED C to P is .25% above 30 yr PAR pricing. 
Conforming ARMs
10-30 Year Term - 5/1 ARM 3.250% 0 3.273% 5% $4.35
10-30 Year Term - 3/3 ARM 3.000% 0 3.606% 5% $4.22
2% Adjustment -6% Life 2.75% on 7/3 & 2.875% Margin on 3/3. Margin Affects APR.
  for Disclosure Information
 
MassHousing
30 Year Term - Fixed Rate 4.625% 0 4.780% 3% $5.14
30 Year Term - Fixed Rate (MHFA No MI Option) 5.000% 0 5.162% 3% $5.37
30 Year Term - Fixed Rate (DU REFI Plus) 5.000% 0 5.162% 3% $5.37

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
Fixed Home Equity Loans
LTV 80%< 1-7 Years 4.006% $5,000 min $13.55
LTV 80%< 8-10 Years 4.106% $5,000 min $10.12
LTV 80%< 11-15 Years 4.324% $5,000 min $7.52
 for Disclosure Information
 
Home Equity - Line of Credit
  10-20 Years 2.250%1 $5,000 min  
1This is a variable rate loan with twenty year term. Access to line of credit for first ten years (draw period) followed by ten year repayment period. Prime minus one percent (currently 2.25%) for the first 12 months with auto pay from a First Citizens’ checking account. The index is the Prime Rate published on the last business day of the month in the Wall Street Journal. Maximum loan amount cannot exceed 80% of the home’s current appraised value less any existing mortgage liens. $25.00 annual maintenance fee waived for life of loan for First@Work, Hero and Champion account holders. Fee is waived in first year only for all other account holders. Maximum Annual Percentage Rate (APR) is 18 percent and minimum rate of 3 percent (except for promotional period). Other terms and conditions may apply. Subject to credit approval. Property insurance required. Offer subject to change without notice.

 for Disclosure Information 



Loan Type Rate* Points APR** Minimum Down Payment Term Estimated payment per $1,000
Government Loans
FHA Fixed 4.000% 0 4.216% 3.5% 30 Yrs. $4.77
VA 3.500% 0 3.879% 0% 15 Yrs. $7.15
VA 4.125% 0 4.343% 0% 30 Yrs. $4.85
USDA    4.250% 0 4.469% 0% 30 Yrs. $4.92

 for Additional Disclosure Information

Mass Housing Partnership One Mortgage
MHP One Mortgage 3.97% 0 4.186% 3% 30 Yrs. $4.76

 for Disclosure Information

NMLS#402997

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