Loan rates effective July 11, 2019 - All rates quoted are subject to change at any time.

To apply online, visit our Mortgage Center.


Secondary Market Saleable - Servicing Retained

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

Type Term Rate APR* Points Payment Per $1,000***
10 Year Fixed 10 Years 3.250% 3.821% 1.000 $9.77
10 Year Fixed 10 Years 3.625%
3.982% 0.000 $9.95
15 Year Fixed 15 Years 3.250% 3.643% 1.000 $7.03
15 Year Fixed 15 Years 3.625% 3.871% 0.000 $7.21
20 Year Fixed 20 Years 3.500% 3.690% 1.000 $5.80
20 Year Fixed 20 Years 3.750% 3.942% 0.000 $5.93
30 Year Fixed 30 Years 3.750% 3.972% 1.000 $4.63
30 Year Fixed 30 Years 4.000% 4.140% 0.000 $4.77


Additional Secondary Market Saleable - 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 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

Type Term Rate APR* Points Payment Per $1,000***
10 Year Fixed 10 Years 3.875% 4.233% 0.000 $10.07
15 Year Fixed 15 Years 3.875% 4.123% 0.000 $7.33
20 Year Fixed 20 Years 4.500% 4.819% 1.000 $6.33
20 Year Fixed 20 Years 4.750% 4.950% 0.000 $6.46
30 Year Fixed 30 Years 4.625% 4.859% 1.000 $5.14
30 Year Fixed 30 Years 4.875% 5.022% 0.000 $5.29


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 (LTV).

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

All borrowers must have a minimum credit score of 660

Type Term Rate APR* Points Payment Per $1,000*** Floor
3-1 ARM
Details
30 Years 3.375% 3.396% 1.000 $4.42 2.875%
5-1 ARM
30 Years 3.500% 3.719% 1.000 $4.49 3.125%
7-1 ARM
30 Years 3.750% 3.972% 1.000 $4.63 3.375%
5-5 ARM
30 Years 3.750% 3.972% 1.000 $4.70 3.500%

ARM loans are variable rate loans; interest rates and payments may increase after consummation. Your initial rate may not necessarily be tied to the Index and margin for your loan. Please ask us for the current amount of our interest rate discounts/premiums. The 1 Year Treasury yield at constant maturities is used for the index on the 3-1, 5-1, and 7-1 ARM loans above. The 5 Year Treasury yield at constant maturities is used for the index on the 5-5 ARM loan above. 

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

Rates are available for 1-4 units to purchase or refinance the rate and term. Please contact one of our Residential Loan Officers for product options.

 

Jumbo Loans

Fixed or Variable Rate Portfolio loan in excess of $484,350.00

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 Loans

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

Refer to Adjustable Rate programs for rates, fees, and caps. 

 

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

Maximum Amortization term is 20 years. 

 

Energy Efficient Secured Mortgages are Available

Please inquire with a Residential Loan Officer.


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

*Annual Percentage Rate (APR) on all loans is based on a $100,000 loan amount with 20% down and no PMI.

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

***Payments do not include taxes and insurance (if applicable) and the actual payment obligation may be greater.