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Loan

Rates as of //

Rates are set by the Bank and subject to change without notice.

Please call us at (617) 471‐0750 to verify current rates, terms and APR.

Mortgage payments include principal and interest. Taxes and insurance may increase your monthly payment. Loan amounts resulting in LTV greater than 80%, may require private mortgage insurance. All loan products are subject to credit approval.

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Mortgage - Owner Occupied & Second Home


Loan to Value Terms (Months) Fixed Rate Points APR Monthly Payment Per $1,000
Conventional






80% & under 360 Call for Rates



80% & under 240 4.250% 0 4.365% $6.19

80% & under 180 3.375% 0 3.513% $7.09

80% & under 120 3.250% 0 3.450% $9.77
Jumbo






80% & under 360 4.500% 0 4.533% $5.07

80% & under 240 4.250% 0 4.293% $6.19

80% & under 180 3.375% 0 3.423% $7.09

80% & under

120

3.250%

0

3.319%

$9.77


Loan to Value Type Initial Rate Full Index Rate Points APR Monthly Payment Per $1,000
Adjustable







80% & under 1 2.750% 4.625% 0 4.530% $4.08 - $5.11
12 payments at $4.08/
348 payments at $5.11

80% & under 3/1 3.000% 4.625% 0 4.330% $4.22 - $5.06
36 payments at $4.22/
324 payments at $5.06

80% & under
5/1
3.250%
4.625%
0
4.210%
$4.35 - $5.03 
60 payments at $4.35/
300 payments at $5.03

ARMs are variable rate loans and the rate may increase after consummation.
‐The Annual Percentage Rate (APR) listed for the fixed and ARMs are based on a $100,000 loan amount, 20% down payment on owner occupied properties with a 30 year (360 month) maturity unless another term is stated.
-Construction loan & investment property rates are available by calling (617) 471-0750.


Home Equity - Owner Occupied


Loan to
Value
Term
(Months)
APR Index Maximum
Loan Amount
Monthly Payment
Per $1,000
Adjustable Equity Line*






80% & under 240 4.000% WSJ Prime $100,000 N/A
Fixed Equity Loan**






80% & under 180 4.750% None $150,000 $7.78

*Home Equity Line rate is variable and subject to change. The rate will be based on the Prime Rate as published in the Wall Street Journal on the last business day of the month, 3.25% as of 3/6/2014. Minimum annual percentage rate is 4.00%. Maximum annual percentage rate is 18.00%. 1 ‐ 4 Family owner occupied properties only. Property insurance is required. Flood insurance may be required. Closing costs range from $300 to $600 and will be paid by the Bank for lines $50,000 and above. Other fees may apply. Non activation fees of $100 and prepayment penalties of $350 may apply under certain conditions. Consult your tax adviser about the deductibility of interest.
**The APR for the above listed Home Equity Loan is based on a $10,000 loan amount, 20% down payment on owner occupied property.


Consumer


Loan to Retail Value Model Year APRMonthly Payment Per $1000
New Auto





90% 2014 & 2013 1.99%$17.52 for 60 month term
Used Auto





90% 2012 & 2011 2.49%$21.91 for 48 month term


2010 2.99%$29.08 for 36 month term

Business loans add 2% to Rate