
Mortgage Loan Rates
Effective as of 1/28/2015

(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. 
3.500% 
3.63% 
4.49 

0 PTS. 
3.625% 
3.67% 
4.56 
20 Yr Fixed 
1 PT. 
3.375% 
3.56% 
5.74 

0 PTS. 
3.500% 
3.57% 
6.80 
15 Yr Fixed 
1 PTS. 
2.750% 
2.95% 
6.79 

0 PTS. 
3.000% 
3.06% 
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 18773693331 for further assistance.
Portfolio Gold Mortgage

Points 
Rate 
Annual Percentage Rate* 
Cost per $1000** 
30 YR Fixed 
***No Closing Costs/0 PTS. 
4.125% 
4.125% 
4.85 
30 YR Fixed 
0 PTS. 
3.750% 
3.770% 
4.64 
20 YR Fixed 
0 PTS. 
3.625% 
3.650% 
5.87 
15 YR Fixed 
0 PTS. 
3.125% 
3.160% 
6.97 
10 YR Fixed 
0 PTS. 
2.875% 
2.930% 
9.60 
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. 
4.125% 
4.125% 
4.85 
30 Yr Fixed 
0 PTS 
3.750% 
3.760% 
4.64 
15 Yr Fixed 
0 PTS 
3.125% 
3.140% 
6.97 
10 Yr Fixed 
0 PTS 
3.000% 
3.020% 
9.66 
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. 
4.000% 
3.57% 
4.78 
For the initial 120 payments the cost per $1000 is $4.78, for the remaining 240 payments, based on today's index and the margin, the new rate would then be 2.875% and the cost per $1000 would be $4.32 




10/1 ARM* 
0 PTS. 
3.625% 
3.35% 
4.56 
For the initial 120 payments the cost per $1000 is $4.56, for the remaining 240 payments, based on today's index and the margin, the new rate would then be 2.875% and the cost per $1000 would be $4.27 




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 2.875% and the cost per $1000 would be $4.23 




7/1 ARM* 
0 PTS. 
3.250% 
3.07% 
4.35 
For the initial 84 payments the cost per $1000 is $4.35, for the remaining 276 payments, based on today's index and the margin, the new rate would then be 2.875% and the cost per $1000 would be $4.19 




5/1 ARM* 
***No Closing Costs/0 PTS. 
3.125% 
2.96% 
4.28 
For the initial 60 payments the cost per $1000 is $4.28, for the remaining 300 payments, based on today's index and the margin, the new rate would then be 2.875% and the cost per $1000 would be $4.17 




5/1 ARM* 
0 PTS. 
2.750% 
2.85% 
4.08 
For the initial 60 payments the cost per $1000 is $4.08, for the remaining 300 payments, based on today's index and the margin, the new rate would then be 2.875% and the cost per $1000 would be $4.14 




* 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 TBill, 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% 
3.79% 
4.64 
95.0197% Min. Score 680; 80.195% Min. Score 660 
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. 




First Time Homebuyer Loans

Points 
Rate 
Annual Percentage Rate* 
Cost per $1000** 
7/1 ARM* 
***No Closing Costs/0 PTS. 
3.625% 
3.15% 
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 2.75% and the cost per $1000 would be $4.14 




7/1 ARM* 
0 PTS 
3.250% 
3.00% 
4.35 
For the initial 84 payments the cost per $1000 is $4.35, then for the remaining 276 payments, based on today's index and the margin, the new rate remains the same at 2.75% 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 



5/1 ARM* 
***No Closing Costs/0 PTS. 
3.125% 
2.88% 
4.28 
For the initial 60 payments the cost per $1000 is $4.28, for the remaining 300 payments, based on today's index and the margin, the new rate would then be 2.750% and the cost per $1000 would be $4.09 




5/1 ARM* 
0 PTS 
2.750% 
2.77% 
4.08 
For the initial 60 payments the cost per $1000 is $4.08, for the remaining 300 payments, based on today's index and the margin, the new rate would then be 2.750% and the cost per $1000 would be $4.09 





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 TBill 




**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 
3.875% 
4.040% 
4.71 
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. 




