Loan rates effective December 18, 2024 - All rates quoted are subject to change at any time.
To apply, visit our Mortgage Center.
Secondary Market Saleable - Servicing Retained
60 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 - up to $766,550
All borrowers must have a minimum credit score of 620
The rates listed aren’t necessarily the rate you’ll be offered when you apply. Rates vary based on down payment, your credit score, loan amount, and other factors.
| Type | Term | Rate | APR* | Points | Payment Per $1,000*** |
|---|---|---|---|---|---|
| 10 Year Fixed | 10 Years | 6.125% | 6.903% | 1.000% | $11.16 |
| 10 Year Fixed | 10 Years | 6.625% | 7.186% | 0.000% | $11.42 |
| 15 Year Fixed | 15 Years | 6.125% | 6.675% | 1.000% | $8.51 |
| 15 Year Fixed | 15 Years | 6.625% | 7.024% | 0.000% | $8.78 |
| 20 Year Fixed | 20 Years | 6.500% | 6.949% | 1.000% | $7.46 |
| 20 Year Fixed | 20 Years | 6.875% |
7.200%
|
0.000% |
$7.68 |
| 30 Year Fixed | 30 Years | 6.750% | 7.099% |
1.000% | $6.49 |
| 30 Year Fixed | 30 Years | 7.125% | 7.380% | 0.000% | $6.74 |
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 - up to $766,550
All borrowers must have a minimum credit score of 700
| Type | Term | Rate | APR* | Points | Payment Per $1,000*** |
|---|---|---|---|---|---|
| 10 Year Fixed | 10 Years | 6.750% | 7.315% | 0.000 | $11.48 |
| 15 Year Fixed | 15 Years | 6.750% | 7.152% | 0.000 | $8.85 |
| 20 Year Fixed | 20 Years | 7.000% | 7.464% | 1.000 | $7.75 |
| 20 Year Fixed | 20 Years | 7.250% | 7.584% | 0.000 | $7.90 |
| 30 Year Fixed | 30 Years | 7.250% | 7.614% | 1.000 | $6.82 |
| 30 Year Fixed | 30 Years | 7.500% | 7.764% | 0.000 | $6.99 |
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) - up to $766,550
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 | 6.625% | 7.240% | 0.000 | $6.40 | 3.875% |
|
5-1 ARM
|
30 Years | 6.875% |
7.476% | 0.000 | $6.57 | 4.000% |
|
7-1 ARM
|
30 Years | 7.000% | 7.545% | 0.000 | $6.65 | 4.250% |
|
5-5 ARM
|
30 Years | 6.625% | 7.093% | 0.000 | $6.40 | 4.375% |
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 $766,550
Offered at .25% over 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% of the lower of appraised value or sales price).
Over 10 Acres (65% of the lower of appraised value or sales price)
Maximum Amortization term is 20 years.
Please contact a residential lender for current rates and options.
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.
*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.