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Effective Date: Monday, December 6, 2021
| 10 year fixed | Rate | Points | APR1,2 | Pmt/1000 |
|---|---|---|---|---|
| 2.000% | 2.00 | 2.583% | $9.20 | |
| 2.125% | 1.00 | 2.497% | $9.26 | |
| 2.375% | 0.00 | 2.538% | $9.37 |
1.Rates and Annual Percentage Rates (APRs) are based on a loan amount of $242,500 with 20% down on purchase. Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.
2. APR denotes Annual Percentage Rate. Owner occupied properties— single family, condominium and two-family dwellings are eligible. Allowable loan amounts: $125,000-$548,250. The combined cumulative loan-to-value cannot exceed 97%. (Loan to value ratio exceeding 80% requires Private Mortgage Insurance).
For other rates on owner occupied residential three and four family and investment properties, please contact a Haverhill bank mortgage originator at (978) 374-0161.
Subject to credit approval, homeowner’s insurance is required, flood insurance may be required. Additional restrictions and conditions may apply. Rates and APRs are subject to change without notice.
Contact a mortgage loan originator at Haverhill Bank for details or apply directly online.
Effective Date: Monday, December 6, 2021
| Jumbo Mortgage Rates fixed | Rate | APR1,2 | Pmt/1000 |
|---|---|---|---|
| 30 year | 2.875% | 2.855% | $4.15 |
| 15 year | 2.500% | 2.463% | $6.67 |
1.Rates and Annual Percentage Rates (APRs) are based on a loan amount of $600,000 with 20% down on purchase. Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.
2. APR denotes Annual Percentage Rate. Owner occupied properties— single family, condominium and two-family dwellings are eligible. Program is for loans in an amount exceeding $548,250, not to exceed $2,000,000. The combined cumulative loan-to-value cannot exceed 80%
Subject to credit approval, homeowner’s insurance is required, flood insurance may be required. Additional restrictions and conditions may apply. Rates and APRs are subject to change without notice.
Contact a mortgage loan originator at Haverhill Bank for details or apply directly online.
Effective Date: Monday, December 6, 2021
| First Time Homebuyer | Interest Rate | Points | APR | Pmt/1000 |
|---|---|---|---|---|
| 2.625% | 0 | 3.087% | $4.02 |
For qualified buyers only, subject to credit approval. A $1,000 lender credit will be applied at closing. Must complete and provide proof of completion for a qualified first-time homebuyer course. 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 approved 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 $548,250. The combined cumulative loan-to-value cannot exceed 97%. 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. Rates and Annual Percentage Rates (APRs) are based on loan amount of $242,500.
Contact a mortgage originator at Haverhill Bank for details or apply directly online.
Effective Date: Monday, December 6, 2021
| Low to Moderate Income | Rate | Points | APR | Pmt/1000 |
|---|---|---|---|---|
| 2.500% | 0 | 2.952% | $3.95 |
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 approved 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 $548,250. 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. Rates and Annual Percentage Rates (APRs) are based on loan amount of $242,500.
Contact a mortgage originator at Haverhill Bank for details or apply directly online.
Effective Date: Monday, December 6, 2021
| Equity Builder Program1 | Interest Rate | Points | APR2,3 | PMT/$1000 |
|---|---|---|---|---|
| 2.750% | 0 | 3.217% | $4.08 |
1.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 homebuyers 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 payments and closing costs. Availability is not guaranteed as funds are accessed through an enrollment pool on a 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. Other restrictions may apply.
2. Rates and Annual Percentage Rates (APRs) are based on a loan amount of $242,500 with a 20% down on purchase. Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.
3. APR denotes Annual Percentage Rate. Owner occupied properties—single family, condominium and two-family dwellings are eligible. Allowable loan amounts: $125,000-$548,250. The combined cumulative loan-to-value cannot exceed 97%.
Contact a mortgage originator at Haverhill Bank for details or apply directly online.
Effective Date: Monday, December 6, 2021
| Term | Interest Rate | APR | PMT / $1,000 | Number of Payments |
|---|---|---|---|---|
| 5 Years | 3.990% | 3.990% | $18.41 | 60 |
| 10 Years | 4.490% | 4.490% | $10.36 | 120 |
| 20 Years | 4.890% | 4.890% | $6.54 | 240 |
APR denotes annual percentage rate. Available for owner occupied 1-4 family residential properties or condominiums. 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 cumulative loan-to-value cannot exceed 80%. Additional restrictions and conditions may apply.
Subject to credit approval. Rates and APRs are subject to change without notice.
Contact a mortgage originator at Haverhill Bank for details or apply directly online.
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