Mortgage Rates

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.

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.

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.

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.

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.

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.

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 $510,400.  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.

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 $510,400.  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.

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 $510,400. Other restrictions apply.