Mortgage Loan Rates


Effective as of 4/17/2015

(APR defined as Annual Percentage Rate; May vary and is subject to change without notice. Customers must live within our Lending Area to qualify.)

Fixed Mortgage Loans
Points Rate Annual Percentage Rate* Cost per $1000**
30 Yr Fixed 1 PT. 3.625% 3.760% 4.56
0 PTS. 3.750% 3.800% 4.64
20 Yr Fixed 1 PT. 3.375% 3.560% 5.74
0 PTS. 3.500% 3.570% 5.80
15 Yr Fixed 1 PT. 2.875% 3.080% 6.85
0 PTS. 3.000% 3.060% 6.91
Loan amounts up to $417,000        
*APR based on a 20% minimum downpayment        
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater.        

Above posted rates are for single family owner occupied properties; offered only as Servicing Released; borrowers must escrow taxes and homeowners insurance. Other mortgage programs are available; please call 1-877-369-3331 for further assistance.

Portfolio Gold Mortgage
Points Rate Annual Percentage Rate* Cost per $1000**
30 YR Fixed ***No Closing Costs/0 PTS. 4.000% 4.000% 4.78
30 YR Fixed 0 PTS. 3.625% 3.650% 4.56
20 YR Fixed 0 PTS. 3.375% 3.400% 5.74
15 YR Fixed 0 PTS. 2.875% 2.910% 6.85
10 YR Fixed 0 PTS. 2.750% 2.800% 9.55
Servicing Retained, No Escrows Required; No Risk Based Price Adjustments for LTVs up to 80%        
Single Family Primary Residence, Max LTV 90% w/PMI, Condos Max LTV 90% w/PMI, Min. 720 Credit Score        
Loan amounts up to $417,000        
*APR based on a 20% minimum downpayment        
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater.        
***Purchase Mtgs Only -Min. Loan Amt. $150,000, standard closing costs paid by Bank        

Portfolio Gold Jumbo Mortgages
Points Rate Annual Percentage Rate* Cost per $1000**
30 Yr Fixed ***No Closing Costs/0 PTS. 4.000% 4.000% 4.78
30 Yr Fixed 0 PTS 3.625% 3.630% 4.56
15 Yr Fixed 0 PTS 2.875% 2.890% 6.85
10 Yr Fixed 0 PTS 2.750% 2.770% 9.55
Min. Credit Score 740, Loan amounts $417,000 - $749,999 max LTV 85% w/PMI; loan amounts $750,000-$1,000,000 max LTV is 70%, Single family o/o only        
*APR based on a minimum 20% downpayment        
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater.        
***Purchase Mtgs Only- Min. Loan Amt. $150,000, standard closing costs paid by Bank        

Adjustable Rate Mortgages
Points Rate Annual Percentage Rate* Cost per $1000**
10/1 ARM* ***No Closing Costs/0 PTS. 3.625% 3.38% 4.57
For the initial 120 payments the cost per $1000 is $4.57, for the remaining 240 payments, based on today's index and the margin, the new rate would then be 3.00% and the cost per $1000 would be $4.31        
10/1 ARM* 0 PTS. 3.375% 3.25% 4.42
For the initial 120 payments the cost per $1000 is $4.42, for the remaining 240 payments, based on today's index and the margin, the new rate would then be 3.00% and the cost per $1000 would be $4.28        
7/1 ARM* ***No Closing Costs/0 PTS. 3.375% 3.17% 4.42
For the initial 84 payments the cost per $1000 is $4.42, for the remaining 276 payments, based on today's index and the margin, the new rate would then be 3.00% and the cost per $1000 would be $4.26        
7/1 ARM* 0 PTS. 3.000% 3.020% 4.22
For the initial 84 payments the cost per $1000 is $4.22, for the remaining 276 payments, based on today's index and the margin, the new rate would then be 3.00% and the cost per $1000 would be $4.22        
5/1 ARM* ***No Closing Costs/0 PTS. 3.000% 3.000% 4.22
For the initial 60 payments the cost per $1000 is $4.22, for the remaining 300 payments, based on today's index and the margin, the new rate would then be 3.00% and the cost per $1000 would be $4.22        
5/1 ARM* 0 PTS. 2.625% 2.890% 4.02
For the initial 60 payments the cost per $1000 is $4.02, for the remaining 300 payments, based on today's index and the margin, the new rate would then be 3.00% and the cost per $1000 would be $4.19        
* Annual Percentage Rate (APR) based on a 30 year term with a minimum 20% downpayment. APR may increase after consummation.        
Loan amounts up to $417,000        
Index used is WSJ 1YR T-Bill, Margin 2.75%, Caps are 2/6        
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater.        
***Purchase Mtgs Only- Min. Loan Amt. $150,000, standard closing costs paid by Bank        

MassHousing Mortgage
Purchase/No Cash Out Refi Points Rate Annual Percentage Rate* Cost per $1000**
30 YR Fixed 0 PTS 3.750% 3.790% 4.64
95.01-97% Min. Score 680; 80.1-95% Min. Score 680 Servicing Released      
LTVs over 80% require Mortgage Insurance, SF Owner Occupied dwellings, Income Limits Must escrow Taxes & Insurance      
First Time Home Buyers must complete Home Buyer Counseling & submit 3 yrs. of tax returns *APR based on 20% down      
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater.        
30 YR Fixed ***No MI/0 PTS. 4.250'% 4.290% 4.92
95.01-97% Min. Score 680; 80.1-95% Min. Score 680;SF Owner Occupied dwellings, Income Limits Servicing Released      
First Time Home Buyers must complete Home Buyer Counseling & submit 3 yrs. of tax returns Must escrow Taxes & Insurance      
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater. *APR based on 20% down      

First Time Homebuyer Loans
Points Rate Annual Percentage Rate* Cost per $1000**
7/1 ARM* ***No Closing Costs/0 PTS. 3.375% 3.110% 4.42
For the initial 84 payments the cost per $1000 is $4.42, then for the remaining 276 payments, based on today's index and the margin, the new rate remains the same at 2.875% and the cost per $1000 would be $4.23        
7/1 ARM* 0 PTS 3.000% 2.950% 4.22
For the initial 84 payments the cost per $1000 is $4.22, then for the remaining 276 payments, based on today's index and the margin, the new rate remains the same at 2.875% and the cost per $1000 would be $4.16        
Income Limitation; caps of 2/6 margin 2.625%; maximum loan amt. $417,000; reduced closing costs; flexible qualifying ratios      
5/1 ARM* ***No Closing Costs/0 PTS. 3.000% 2.920% 4.22
For the initial 60 payments the cost per $1000 is $4.22, for the remaining 300 payments, based on today's index and the margin, the new rate would then be 2.8750% and the cost per $1000 would be $4.18        
5/1 ARM* 0 PTS 2.625% 2.790% 4.02
For the initial 60 payments the cost per $1000 is $4.02, for the remaining 300 payments, based on today's index and the margin, the new rate would then be 2.8750% and the cost per $1000 would be $4.13        
Income Limitation; caps of 2/6 margin 2.625%; maximum loan amt. $417,000; reduced closing costs; flexible qualifying ratios      
All loans with LTV's over 80% requires Mortgage Insurance. *Annual Percentage Rate (APR) based on a 30 year term with 20% down payment. APR may increase after consummation.        
Index used is WSJ 1YR T-Bill        
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater.        
***Purchase Mtgs Only- Min. Loan Amt. $150,000, standard closing costs paid by Bank        

Permanent Construction
Points Rate Annual Percentage Rate* Cost per $1000**
30 Yr Fixed 0 PTS 3.750% 3.920% 4.64
Offered primarily in the FoxFed's assessment area but will consider applications outside of assessment area. Loan amounts up to $417,000        
*APR is based on a minimum 20% downpayment        
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater.        



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