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Fixed Rate Home Equity

Effective Date: Tuesday, October 22, 2019

TermInterest RateAPRPMT / $1,000Number of Payments
5 Years3.990%3.990%$18.4160
10 Years4.490%4.490%$10.36120
20 Years4.890%4.890%$6.54240

APR denotes annual percentage rate. Available for owner occupied 1-4 family residential properties or condominiums, second lien only. Properties for sale not eligible. Homeowner's insurance is required, flood and title insurance may be required. Consult your tax advisor for further information regarding deductibility of interest and charges. There is a minimum loan amount of $20,000 to a maximum of $250,000. The combined loan-to-value cannot exceed 80%. Additional restrictions and conditions may apply. Rates and APRs are subject to change without notice.

30 Year Fixed Rate Mortgage

Effective Date: Tuesday, October 22, 2019

30 year fixedRatePointsAPR1Pmt/1000
3.500%2.003.722%$4.49
3.625%1.003.764%$4.56
3.875%0.003.933%$4.70

1. Rates and Annual Percentage Rates (APRs) are based on a loan amount of $125,000 with 20% down on purchase.
Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.

20 Year Fixed Rate Mortgage

Effective Date: Tuesday, October 22, 2019

20 year fixedRatePointsAPR1Pmt/1000
3.375%2.003.684%$5.74
3.500%1.003.694%$5.80
3.750%0.003.830%$5.93

1. Rates and Annual Percentage Rates (APRs) are based on a loan amount of $125,000 with 20% down on purchase.
Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.

15 Year Fixed Rate Mortgage

Effective Date: Tuesday, October 22, 2019

15 year fixedRatePointsAPR1Pmt/1000
3.125%2.003.521%$6.97
3.250%1.003.499%$7.03
3.500%0.003.602%$7.15

1. Rates and Annual Percentage Rates (APRs) are based on a loan amount of $125,000 with 20% down on purchase.
Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.

10 Year Fixed Rate Mortgage

Effective Date: Tuesday, October 22, 2019

10 year fixedRatePointsAPR1Pmt/1000
3.000%2.003.575%$9.71
3.125%1.003.485%$9.71
3.375%0.003.523%$9.83

1. Rates and Annual Percentage Rates (APRs) are based on a loan amount of $125,000 with 20% down on purchase.
Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.

Jumbo Fixed Mortgage Rates

Effective Date: Tuesday, October 22, 2019

Jumbo Mortgage Rates fixedRateAPR2Pmt/1000
30 year3.875%3.898%$4.70
15 year3.500%3.541%$7.15

2. Rates and Annual Percentage Rates (APRs) are based on a loan amount of $500,000 with 20% down on purchase.
Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.

First Time Homebuyer

Effective Date: Tuesday, October 22, 2019

First Time HomebuyerInterest RatePointsAPRPmt/1000
3.625%04.312%$4.56

For qualified first time homebuyers only, subject to credit approval. Must complete and provide proof of completion for a qualified first time homebuyer course, ask a loan officer for information. Interest Rate and Annual Percentage Rate (APR) effective as of date listed above and interest rate, APR and discount point shown are subject to change without notice. Rates are based on single family and condominium, owner-occupied dwellings. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value greater than 80%. There is a maximum loan amount of $484,350.  Estimated payments do not include amounts for property taxes, property insurance and/or flood insurance, if applicable; the actual payment obligation will be higher. An escrow account may be required.

Low to Moderate Income

Effective Date: Tuesday, October 22, 2019

Low to Moderate IncomeRatePointsAPRPmt/1000
3.500%04.180% $4.49

For qualified buyers only, subject to credit approval. A $1,000 lender credit will be applied at closing. Interest Rate and Annual Percentage Rate (APR) effective as of date listed above and interest rate, APR and discount point shown are subject to change without notice. Rates are based on single family and condominium, owner-occupied dwellings. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value greater than 80%.  There is a maximum loan amount of $484,350.  Estimated payments do not include amounts for property taxes, property insurance and/or flood insurance, if applicable; the actual payment obligation will be higher. An escrow account may be required.

Equity Builder Program

Effective Date: Tuesday, October 22, 2019

Equity Builder ProgramInterest RatePointsAPRPMT/$1000
3.500%04.180%$4.49

Haverhill Bank is a participating lender with the Federal Home Loan Bank of Boston's Equity Builder Program, a grant developed to help first time home buyers who earn no more than 80% of the area median income, as determined annually by the U.S. Department of Housing & Urban Development. The program may be available to qualified borrowers and is used to lower down payment and closing costs. Availability is not guaranteed as funds are accessed through an enrollment pool on a first-come, first-serve basis. A Home Ownership Counseling course must be completed through a Haverhill Bank approved provider. Eligible residential owner-occupied, one family and approved condominiums. Down payment as little as 3% borrower's own funds. Property insurance is required, mortgage insurance and flood insurance may be required. Subject to credit approval. Maximum loan amount of $484,350. Other restrictions apply.

1 Rates and APRs are based on a loan amount of $125,000 with 20% down on purchase.
2 Rates and APRs are based on a loan amount of $500,000 with 20% down on purchase.
Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater. APR denotes Annual Percentage Rate.  Subject to credit approval. Owner Occupied Properties—Single Family, Condominium & Two Family Dwellings Loan Amounts $125,000 -$500,000 Maximum 90% Loan to Value (LTV). For rates on owner occupied three and four family and investment properties, please contact a loan officer at (978) 374-0161.

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