Rates

Rates Effective 01/27/23

Conforming Fixed

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Term Rate Points APR Minimum Down
Payment		 Estimated Payment
Per $1,000
30-Year Fixed 6.250% 0
6.368%
 5% $6.16
20-Year Fixed 6.125% 0 6.280% 5% $7.24
15-Year Fixed 6.000% 0 6.194% 5% $8.44
10-Year Fixed 5.875%
 0 6.147% 5% $11.04


*APR = Annual Percentage Rate. All APRs based on $180,000 loan amount. The rates are for owner occupied single family properties on purchase or no cash out refinancing transactions, with up to 60% Loan to Value LTV and are based on minimum borrower FICO credit score of 740. The loan amount cannot exceed Fannie Mae conforming loan limits. The rates are not reflective of price adjustments based on LTV higher than 60%, FICO Credit Score less than 740 or cash out transactions. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment and costs could be higher. Taxes and insurance not included in estimated payment. Get an official Loan estimate before choosing a loan.


Jumbo Fixed Rate Mortgage

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Term Rate Points APR Minimum Down
Payment		 Estimated Payment
Per $1,000
30-Year Fixed 6.500% 0 6.621% n/a $6.32
15-Year Fixed 6.250%
 0 6.447% n/a $8.57
*APR = Annual Percentage Rate. Minimum loan amount is $510,400. 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 7.000% 0 7.147% 3% $6.65

*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 4.750% $18.76 4.750%
10-Year Fixed 5.000% $10.61 5.000%
15-Year Fixed 5.750% $8.30 5.750%
*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 5.253% $5,000 min $14.19
LTV 80% < 8-10 Years 5.470%
 $5,000 min $10.79
LTV 80% < 11-15 Years 5.694% $5,000 min $8.24
LTV 80% < 16-20 Years 5.906% $5,000 min $7.09
* Loans subject to approval 


Home Equity Line of Credit

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Term APR Min/Max
Amounts
10–20 Years 1 7.500% $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. Maximum Annual Percentage Rate (APR) is 18% and minimum rate will be equal to the initial rate on the loan. 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 6.500% 0 6.621%
 10% 30 Years $6.32
MHP One 5.830% 0 5.944% 3% 30 Years
$5.89
*APR = Annual Percentage Rate. Rates are subject to approval 

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