30 year fixed Rate Points APR** Pmt/1000

5.625% 2.00 5.816% $5.76

5.875% 1.00 5.974% $5.92

6.125% 0.00 6.131% $6.08
No Closing Cost 6.625% 0.00 6.624% $6.41

20 year fixed Rate Points APR** Pmt/1000

5.625% 2.00 5.880% $6.95

5.875% 1.00 6.007% $7.10

6.125% 0.00 6.133% $7.24
No Closing Cost 6.625% 0.00 6.623% $7.53

15 year fixed Rate Points APR** Pmt/1000

5.125% 2.00 5.442% $7.98

5.375% 1.00 5.538% $8.11

5.625% 0.00 5.635% $8.24
No Closing Cost 6.125% 0.00 6.123% $8.51

10 year fixed Rate Points APR** Pmt/1000

5.125% 2.00 5.574% $10.67

5.375% 1.00 5.606% $10.79

5.625% 0.00 5.639% $10.92
No Closing Cost 6.125% 0.00 6.122% $11.17

Adjustable 30 year amortization Rate Points APR** Pmt/1000
1 year ARM*** 4.875% 1.00 4.854% $5.30

Adjustable 30 year amortization Rate Points APR** Pmt/1000
3/1 year ARM*** 5.125% 1.00 4.938% $5.45

5.375% 0.00 4.908% $5.60
No Closing Cost 5.875% 0.00 5.025% $5.92

Adjustable 30 year amortization Rate Points APR** Pmt/1000
5/1 year ARM*** 5.375% 1.00 5.082% $5.60

5.625% 0.00 5.089% $5.76
No Closing Cost 6.125% 0.00 5.277% $6.08

Adjustable 30 year amortization Rate Points APR** Pmt/1000
7/1 year ARM*** 5.625% 1.00 5.284% $5.76

5.875% 0.00 5.320% $5.92
No Closing Cost 6.375% 0.00 5.573% $6.24

Advantage 10/1 Rate Points APR** Pmt/1000
Advantage 10/1 6.250% 0.00 5.739% $6.16

First Time Home Buyers save 1/2 point on ARM programs.

Mass Housing First Time Home Buyer Programs Available - Please Inquire


*Rates are subject to change without notice. Call a loan officer for more information at 978-374-0161.

**Annual Percentage Rate

***This adjustable rate is discounted and will probably increase at the next adjustment, even if economic conditions remain the same. Adjustable caps are a maximum of 2% per adjustment and will not exceed 6% above the initial rate for the life of the loan. The initial rate is independent of the index. The index is the average weekly yield on the U.S. Securities adjusted to a constant maturity of one year, plus a margin. Rates and terms subject to change at anytime without notice.

Rates quoted assume 20% down on purchase, credit score 680+ and tax and insurance escrow.
Rates listed are for residential owner-occupied single and two family properties and condominiums. For rates on owner occupied three and four family and investment properties, please contact a loan officer at 978-374-0161.
Annual Percentage Rates (APRs) for fixed loans are based on a loan amount of $125,000 with 20% down. APRs for jumbo loans are based on a loan amount of $350,000 with 20% down.

No closing option does not include escrow or prepaids. Minimum loan amount $125,000 and prepayment penalty may apply for first three years.