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Home Loans
Rates effective as of 2/2/2010
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Mobile Mortgage Originators | Loan Center Locations
Home Equity Products
| Home Equity Loan Fixed Rate Loan |
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| Term | Rate | APR | PAYMENT PER $1,000 Borrowed |
| Please Note: |
Loan amounts $10,000 - $250,000. |
| Home Equity Line of Credit Variable Rate Loan |
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| Term | Rate | APR |
| Fixed Rate Conversion Option (Min. Loan Amount $5,000) |
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| Term | Rate | APR | PAYMENT PER $1,000 Borrowed |
| Borrow up to 80% of your home's current value less any debt secured by your home with a minimum of $10,000 and a maximum of $250,000. This variable rate (APR) ANNUAL PERCENTAGE RATE is based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal as of the 1st day of each month with a minimum rate and APR of 4%. The maximum APR that can apply is 18.00%. Line must stay open for 24 months to avoid early closeout fee which is up to the lesser of $300 or the maximum amount allowed by law. Home Owner's Insurance is required. Flood Insurance is required if applicable. There are no points, no closing costs and no annual fees. Primary Residence Only. |
APR= Annual Percentage Rate. All rates/APRs listed are accurate as of the effective date and are subject to change without notice.
Residential First Mortgage
| Fees due at application: |
| FNMA General Loan Limits** |
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| Owner Occupied Fixed Rate Mortgages |
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| Type | Rate | Points | APR | Up to FNMA** | Payment per $1,000 Borrowed |
| Please Note: |
Loan amounts greater than FNMA General Loan Limits, please contact a lending representative. |
| Owner Occupied Fixed Rate Mortgages Cash Out Refinance LTV > 70% |
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| Type | Rate | Points | APR | 1-2 Fam. Max Amt. | Payment per $1,000 Borrowed |
| Please Note: |
No Closing Cost Loan Minimum Loan Amount $80,000. |
| Owner Occupied Adjustable Rate Mortgages |
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| Interest Rate Caps | |||||||||
| Type | Rate | Points | APR | Fixed Period | First Adj. Cap | Subseq. Adj. Cap | Lifetime Cap | Margin | Payment per $1,000 Borrowed |
| Please Note: |
Loan amounts greater than FNMA General Loan Limits, please contact a lending representative. |
PLEASE CONTACT A MORTGAGE SPECIALIST AT (978) 452-5001 FOR DETAILS.
APR= Annual Percentage Rate. All rates/APRs listed are accurate as of the effective date and are subject to change without notice.
Second Home
| Second Home Fixed Rate Mortgages |
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| Type | Rate | Points | APR | Up to FNMA** | Payment per $1,000 Borrowed |
| Please Note: |
Single Family & Condominiums Only, Construction Loans maximum LTV 80% |
| Second Home Fixed Rate Mortgages Cash Out Refinance LTV > 70% |
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| Type | Rate | Points | APR | Up to FNMA** | Payment per $1,000 Borrowed |
| Please Note: |
Single Family & Condominiums Only. |
| Second Home Adjustable Rate Mortgages |
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| Interest Rate Caps | |||||||||
| Type | Rate | Points | APR | Fixed Period | First Adj. Cap | Subseq. Adj. Cap | Lifetime Cap | Margin | Payment per $1,000 Borrowed |
| Please Note: |
Single Family & Condominums Only |
Land Loans
| Land Loans |
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| Interest Rate Caps | |||||||||
| Type | Rate | Points | APR | Fixed Period | First Adj. Cap | Subseq. Adj. Cap | Lifetime Cap | Margin | Payment per $1,000 Borrowed |
| Please Note: |
Maximum LTV 80%. |
WE OFFER LOANS ON COMMERCIAL PROPERTIES AND INVESTMENT PROPERTIES.
Please contact a Mortgage Specialist for details.
