
Mortgage Loan Rates
Effective as of 04/18/2014

(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. 
4.125% 
4.310% 
4.85 

0 PTS. 
4.250% 
4.350% 
4.92 
20 Yr Fixed 
1 PT. 
3.875% 
4.130% 
6.00 

0 PTS. 
4.000% 
4.140% 
6.06 
15 Yr Fixed 
1 PTS. 
3.125% 
3.530% 
6.97 

0 PTS. 
3.375% 
3.500% 
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 18773693331 for further assistance.
Portfolio Gold Mortgage

Points 
Rate 
Annual Percentage Rate* 
Cost per $1000** 
30 YR Fixed 
0 PTS. 
4.250% 
4.310% 
4.92 
20 YR Fixed 
0 PTS. 
4.000% 
4.080% 
6.06 
15 YR Fixed 
0 PTS. 
3.375% 
3.480% 
7.09 
10 YR Fixed 
0 PTS. 
2.875% 
3.020% 
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 




**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater. 




*APR based on a 20% minimum downpayment 




Portfolio Gold Jumbo Mortgages

Points 
Rate 
Annual Percentage Rate* 
Cost per $1000** 
30 Yr Fixed 
0 PTS 
4.250% 
4.270% 
4.92 
15 Yr Fixed 
0 PTS 
3.500% 
3.540% 
7.15 
10 Yr Fixed 
0 PTS 
3.000% 
3.060% 
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. 




Adjustable Rate Mortgages

Points 
Rate 
Annual Percentage Rate* 
Cost per $1000** 
10/1 ARM* 
0 PTS. 
3.750% 
3.48% 
4.64 
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 2.875% and the cost per $1000 would be $4.28 




7/1 ARM* 
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 2.875% and the cost per $1000 would be $4.20 




5/1 ARM* 
0 PTS. 
2.875% 
2.94% 
4.15 
For the initial 60 payments the cost per $1000 is $4.15, 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 $4.15 




* 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. 




MassHousing Mortgage
Purchase/No Cash Out Refi 
Points 
Rate 
Annual Percentage Rate* 
Cost per $1000** 
30 YR Fixed 
0 PTS 
4.750% 
4.84% 
5.22 
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* 
0 PTS 
3.375% 
3.10% 
4.42 

Income Limitation; caps of 2/6 margin 2.625%; maximum loan amt. $417,000; reduced closing costs; flexible qualifying ratios 



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 2.75% and the cost per $1000 would be $4.16 




5/1 ARM* 
0 PTS 
2.875% 
2.85% 
4.15 

Income Limitation; caps of 2/6 margin 2.625%; maximum loan amt. $417,000; reduced closing costs; flexible qualifying ratios 



For the initial 60 payments the cost per $1000 is $4.15, 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 




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. 




Permanent Construction

Points 
Rate 
Annual Percentage Rate* 
Cost per $1000** 
30 Yr Fixed 
0 PTS 
4.250% 
4.450% 
4.92 
Offered only in FoxFed's 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. 




