Consumer Loan Rates

*Home Equity Line of Credit (HELOC) available only for 1-4 family owner occupied properties. Annual Percentage Rate (APR) subject to change. Minimum loan amount $10,000.00. Maximum loan amount $250,000.00 at 80% (of appraised value less first mortgage) Combined Loan to Value (CLTV), whichever is less. HELOC at 70% of CLTV may be based on tax-assessed value of property. Maximum APR 18%. APR is variable and will be based on the Prime Rate as published in the Wall Street Journal on the 25th of each month. Hazard Insurance is required. No closing costs for lines of credit if within the LTV guidelines. A termination fee equal of $250.00 will be assessed if the line is closed out within the first 6 month. If an appraisal is required the range of appraisal costs to you is $250.00 to $750.00.

**The rate will be Prime -.50% for the life of the loan. Rate reflects a discount of .25% off of the conventional loan rate with automatic funds transfer from a Hampshire First Bank checking account. Minimum annual percentage rate of 4.00%.  Maximum APR not to exceed 18.00%.  As of 3/5/2009, the Prime Rate was 3.25%. The APR will be 4.00%. Draws will be allowed for the full 5 Year term of the loan. Minimum payment of interest will be due monthly. Full payment of all outstanding principal and interest will be due at maturity. 

*Home Equity Line of Credit (HELOC) available only for 1-4 family owner occupied properties. Annual Percentage Rate (APR) subject to change. Minimum loan amount $10,000.00. Maximum loan amount up to $250,000.00 or at 80% (of appraised value less first mortgage) Combined Loan to Value (CLTV), whichever is less. HELOC at 70% of CLTV may be based on tax-assessed value of property. Maximum APR 18%. APR is variable and will be based on the Prime Rate as published in the Wall Street Journal on the 25th of each month. Hazard Insurance is required. No closing costs for lines of credit if within the LTV guidelines. A termination fee equal of $250.00 will be assessed if the line is closed out within the first 6 month. If an appraisal is required the range of appraisal costs to you is $250.00 to $750.00.

**The rate will be Prime -.50% for the life of the loan. Rate reflects a discount of .25% off of the conventional loan rate with automatic funds transfer from a Hampshire First Bank checking account. Minimum annual percentage rate of 4.00%.  Maximum APR not to exceed 18.00%.  As of 3/5/2009, the Prime Rate was 3.25%. The APR will be 4.00%. Draws will be allowed for the full 15 year term of the loan, up to the maximum amount of the loan allowed. Minimum of monthly payment of interest plus 1/180th of outstanding principal. Full payment of all outstanding principal and interest will be due at maturity.

* Annual Percentage Rate (APR) subject to change without notice. APR is based on $10,00.00 financed. Minimum loan amount $10,000.00. Maximum loan amount $250,000.00 or 80% (of appraised value less first mortgage) Combined Loan to Value (CLTV). 70% of CLTV may be based on tax-assessed value of property. Available for 1-4 family owner occupied properties. Hazard Insurance Required. Other rate options are available if credit score minimum is not met. Subject to a minimum credit score of 680 to receive stated rates.