Mortgage Loan Rates


Effective as of 8/3/2015

(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. 3.875% 4.010% 4.71
0 PTS. 4.125% 4.150% 4.85
20 Yr Fixed 1 PT. 3.625% 3.810% 5.87
0 PTS. 3.875% 3.950% 6.00
15 Yr Fixed 1 PT. 3.125% 3.330% 6.97
0 PTS. 3.375% 3.430% 7.09
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. 4.375% 4.375% 4.99
30 YR Fixed 0 PTS. 3.990% 4.010% 4.77
20 YR Fixed 0 PTS. 3.750% 3.780% 5.93
15 YR Fixed 0 PTS. 3.125% 3.160% 6.97
10 YR Fixed 0 PTS. 2.625% 2.680% 9.49
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. 4.375% 4.375% 4.99
30 Yr Fixed 0 PTS 3.990% 4.000% 4.77
15 Yr Fixed 0 PTS 3.125% 3.140% 6.97
10 Yr Fixed 0 PTS 2.625% 2.650% 9.49
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. 3.750% 3.56% 4.63
For the initial 120 payments the cost per $1000 is $4.63, 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 $4.33        
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. 3.625% 3.22% 4.56
For the initial 84 payments the cost per $1000 is $4.56, 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 $4.28        
7/1 ARM* 0 PTS. 3.250% 3.140% 4.36
For the initial 84 payments the cost per $1000 is $4.36, 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 $4.24        
5/1 ARM* ***No Closing Costs/0 PTS. 3.125% 3.040% 4.29
For the initial 60 payments the cost per $1000 is $4.29, 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 $4.23        
5/1 ARM* 0 PTS. 2.750% 2.930% 4.09
For the initial 60 payments the cost per $1000 is $4.09, 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 $4.20        
* 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 4.125% 4.160% 4.85
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. 4.625% 4.670% 5.15
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. 3.625% 3.220% 4.56
For the initial 84 payments the cost per $1000 is $4.56, 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 3.250% 3.070% 4.36
For the initial 84 payments the cost per $1000 is $4.36, 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 $4.19        
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. 3.125% 2.960% 4.29
For the initial 60 payments the cost per $1000 is $4.29, 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 $4.17        
5/1 ARM* 0 PTS 2.750% 2.850% 4.09
For the initial 60 payments the cost per $1000 is $4.09, 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 $4.14        
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 4.125% 4.290% 4.85
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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