Rates Effective 12/12/18

Conforming Fixed

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Term Rate Points APR Minimum Down
Payment
Estimated Payment
Per $1,000
30-Year Fixed 4.750% 0 4.831% 5% $5.22
20-Year Fixed 4.500% 0 4.606% 5% $6.33
15-Year Fixed 4.125% 0 4.252%
5% $7.46
10-Year Fixed 4.125% 0 4.309% 5% $10.18


*APR = Annual Percentage Rate. All APRs based on $180,000 loan amount with 20% down. For example, a mortgage loan of $180,000 with 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. Rates are subject to approval.


Jumbo Fixed Rate Mortgage

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Term Rate Points APR Minimum Down
Payment
Estimated Payment
Per $1,000
30-Year Fixed 4.750% 0 4.831% n/a $5.22
15-Year Fixed 4.125% 0 4.252% n/a $7.46
*APR = Annual Percentage Rate. Minimum loan amount is $424,100. Property insurance required. Rate is subject to credit approval.
For a fixed Construction Loan contact your local Mortgage Lender. Pricing on the 30 year fixed C to P is .25% above 30 year PAR pricing. Payment does not include real estate taxes or mortgage insurance. Payment may be higher. 


Mass Housing

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Term Rate Points APR Minimum Down
Payment
Estimated Payment
Per $1,000
30-Year Term Fixed Rate 4.875% 0 5.125% 3% $5.29
30-Year Term Fixed Rate
(MIF Municipal Program
& Home for the Brave)
4.875% 0 4.958% 3% $5.29
30-Year Term Fixed Rate
(Buy Cities)
5.000%
0 5.085% 3% $5.37

*Payment does not include real estate taxes or mortgage insurance. Payment may be higher. Rates are subject to approval

Call our Mortgage Lenders for other MassHousing Specials. Annual Percentage Rate (APR) based on $180,000 loan amount with 20% down payment. 

 

Solar Loans

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Term Rate Estimated Payment
Per $1,000
APR
5-Year Fixed 5.000% $18.87 5.000%
10-Year Fixed 5.250% $10.73 5.250%
15-Year Fixed 5.750% $8.30 5.750%
19-Year Fixed 6.000% $7.36 6.000%
*APR = Annual Percentage Rate. Rates subject to change.

Fixed Home Equity Loans

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Loan-to-Value Ratio Term APR Min/Max
Amounts
Estimated
Payment
Per $1,000
LTV 80% < 1-7 Years 4.882% $5,000 min $14.13
LTV 80% < 8-10 Years 5.099%
$5,000 min $10.73
LTV 80% < 11-15 Years 5.322% $5,000 min $8.17

Home Equity Line of Credit

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Term APR Min/Max
Amounts
10–20 Years 1 5.250% $5,000 min

1 This is a variable rate loan with thirty year term. Access to line of credit for first ten years (draw period) followed by 20 year repayment period. The index is Prime Rate published on the last business day of 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 for all other account holders. maximum Annual Percentage Rate (APR) is 18% and minimum rate of 3% (except for promotional period). Other terms and conditions may apply. Rates subject to credit approval. Property insurance required. Offer subject to change without notice. Click here for more Disclosure Information.


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Type Rate Points APR Minimum
Down
Payment
Term Estimated
Payment
Per $1,000
90% No MI 5.250% 0 5.339% 10% 30 Years $5.52
MHP One 4.450% 0 4.526% 3% 30 Years $5.04
Hero/Champion/
First@Work Mortgage
4.750% 0 4.831% 5% 30 Years $5.22
*APR = Annual Percentage Rate. Rates are subject to approval 

Disclosure Information