Loan rates effective April 19, 2017 - All rates quoted are subject to change at any time.

For additional rates, products, and information, please visit our Mortgage Center.


Secondary Market Saleable - Servicing Retained

45 Day Rates - Full selection of rate and point combinations available. Please call.
Conventional Fixed - 1-4 Family Owner Occupied and Second Homes
All borrowers must have a minimum credit score of 620

Scroll to the left to view the rest of the table.
Type Term Rate APR** Points Payment Per $1,000
10 Year Fixed 10 Years 3.375% 3.811% 0.625 $9.83
10 Year Fixed 10 Years 3.625% 3.930% 0.000 $9.95
15 Year Fixed 15 Years 3.375% 3.677% 0.625 $7.09
15 Year Fixed 15 Years 3.625% 3.837% 0.000 $7.21
20 Year Fixed 20 Years 3.750% 4.047% 1.125 $5.93
20 Year Fixed 20 Years 4.000% 4.167% 0.000 $6.06
30 Year Fixed 30 Years 4.000% 4.216% 1.125 $4.77
30 Year Fixed 30 Years 4.250% 4.373% 0.000 $4.92


Portfolio Fixed - Servicing Retained

60 Day Rates

Conventional Fixed - 1-4 Family Owner Occupied Primary Residence 95%* Maximum Loan-To-Value

All borrowers must have a minimum credit score of 700

Scroll to the left to view the rest of the table.
Type Term Rate APR* Points Payment Per $1,000
10 Year Fixed 10 Years 3.375% 3.701% 0.000 $9.79
15 Year Fixed 15 Years 3.375% 3.601% 0.000 $7.07
20 Year Fixed 20 Years 4.375% 4.558% 0.000 $6.26
30 Year Fixed 30 Years 4.625% 4.760% 0.000 $5.14


Rural Development (RD) Secondary Market Saleable - Servicing Retained

30 Day Rates

Conventional Fixed - Single Family Primary Residence

All borrowers must have a minimum credit score of 660

Scroll to the left to view the rest of the table.
Type Term Rate APR*** Points Payment Per $1,000
30 Year Fixed 30 Years 4.250% 4.841% 0.000 $5.26


Additional Secondary Market Servicing Released Loan Products Available

Federal Housing Administration (FHA)

Veterans Administration (VA)

Rural Development (RD)

New Hampshire Housing Finance Authority (NHHFA)

Please contact one of our Residential Loan Officers to discuss product options


Portfolio Adjustable Rates (ARM) 1-4 Family Owner Occupied - Servicing Retained

60 Day Rates - Conventional ARMs - 95%* and Second Homes 80% Maximum Loan-To-Value.

Other Products Available - Please contact one of our Residential Loan Officers for product options.

All borrowers must have a minimum credit score of 660

Scroll to the left to view the rest of the table.
Type Term Rate APR** Points Payment Per $1,000 Floor
3-1 ARM 30 Years 3.625% 3.836% 1.000 $4.56 2.875%
3-1 ARM 30 Years 3.875% 4.004% 0.000 $4.70 3.125%
5-1 ARM 30 Years 3.875% 4.089% 1.000 $4.70 3.125%
5-1 ARM 30 Years 4.125% 4.256% 0.000 $4.85 3.375%
7-1 ARM 30 Years 4.125% 4.342% 1.000 $4.85 3.375%
7-1 ARM 30 Years 4.375% 4.508% 0.000 $4.99 3.625%
5 Yr ARM 30 Years 4.750% 4.975% 1.000 $5.22 3.750%
5 Yr ARM 30 Years 5.000% 5.138% 0.000 $5.37 3.750%


Portfolio Adjustable Rates (ARM) 1-4 Family Non-Owner Occupied - Servicing Retained

60 Day Rates

1 Unit Purchase or Rate & Term Refinance: 80% LTV / 2-4 Unit Purchase or Rate & Term Refinance: 75% LTV

1-4 Unit Cash-out Refinance: contact one of our Residential Loan Officers for product options

Conventional ARMs / Other Products Available - please contact one of our Residential Loan Officers for options

All borrowers must have a minimum credit score of 660

Scroll to the left to view the rest of the table.
Type Term Rate APR** Origination Fee Payment Per $1,000 Floor
3-1 ARM 30 Years 4.375% 4.595% 1.00 $4.99 3.375%
5-1 ARM 30 Years 4.625% 4.843% 1.00 $5.14 3.625%
7-1 ARM 30 Years 4.875% 5.102% 1.00 $5.29 3.875%
5 Yr ARM 30 Years 5.500% 5.736% 1.00 $5.68 4.250%


Variable Rate Loans

The 1 Year Treasury index is used for the 3-1, 5-1 & 7-1 ARM

The 5 Year Treasury index is used for the 5 Year ARM

On adjustable rate mortgages, the APR may increase after consummation.


Jumbo Loans

Fixed or Variable Rate Portfolio loan in excess of $424,100.00

Offered at the same rates as Portfolio Fixed and ARM products

APR subject to product and term selected.

All borrowers must have a minimum credit score of 700


Land

10 Acres or less (75% appraised value or sales price). Refer to ARM programs for rates, fees, and caps.

Over 10 Acres (65% on the lower of appraised value or sales price)

MAXIMUM AMORTIZATION TERM 20 YEARS

Scroll to the left to view the rest of the table.
Type Rate Points APR* CAPS Payment Per $1,000
3-1 ARM 7.000% 1.000 7.200% 2/6 $7.87
3-1 ARM 7.250% 0.000 7.322% 2/6 $7.95

ENERGY EFFICIENT SECURED MORTGAGES ARE AVAILABLE

Please inquire with a residential lender.


All Loans - Loan-To-Value (LTV) ratio is calculated on lesser of sales price or appraised value.

* Private Mortgage Insurance (PMI) is required on all loans in excess of 80% LTV.

** Annual Percentage Rate (APR) on all loans (excluding Rural Development loans) is based on a $100,000.00 loan amount with 20% down and no PMI.

*** Annual Percentage Rate (APR) based on a $100,000.00 loan amount 30 year term LTV of 100% with a 1% Rural Development (RD) Guarantee Fee financed into loan and an annual .35% guarantee fee collected monthly.

WGSB Residential Real Estate appraisal fee is $500.00 for Fixed Rate Servicing Retained and Adjustable Rate loans.