Mortgage Rates
Adjustable
Rate Mortgages | Interest Rate | Points | APR | Monthly Payments per
$1000 borrowed | | 7/1 ARM | 4.50%* | 1 | 4.310% | First 84 Months $5.07 | | Based on 360 monthly payments 2% annual 6% lifetime cap | | | | 7/1 ARM | 4.80%* | 0 | 4.374% | First 84 Months $5.25 | | Based on 360 monthly payments 2% annual 6% lifetime cap |
Mortgage rates as of 7/8/2010. Annual Percentage Rate (APR) subject to change without notice and may increase after consummation of the loan. Owner-occupied (1-4 family) only. Downpayment of less than 20% (including condominiums) requires mortgage insurance. APRs are based on a 20% downpayment. Index: As of 7/2/2010, the current 1 Year Treasury Security = 0.31%. Margin = 3.25%. These loans have a 30-year term and an adjustable rate feature. Initial rate is fixed for the initial period and then one-year adjustable thereafter. Hazard Insurance is required. APR is based on $100,000 financed.
*Rate reflects a discount of .25% off of the Conventional Loan Rate with automatic funds transfer from a Hampshire First Bank checking account.
Adjustable
Rate Mortgages | Interest Rate | Points | APR | Monthly Payments per
$1000 borrowed | | 3/1 ARM | 3.875%* | 0 | 3.851% | First 36 Months $4.70 | | Based on 360 monthly payments 2% annual 6% lifetime cap | | | 5/1 ARM | 4.15% | 1 | 4.072% | First 60 Months $4.86 | | 5/1 ARM | 4.50%* | 0 | 4.118% | First 60 Months $5.07 | | Based on 360 monthly payments 2% annual 6% lifetime cap |
Mortgage rates as of 7/8/2010. Annual Percentage Rate (APR) subject to change without notice and may increase after consummation of the loan. Owner-occupied (1-4 family) only. Downpayment of less than 20% (including condominiums) requires mortgage insurance. APRs are based on a 20% downpayment. Index: As of 7/2/2010, the current 1 Year Treasury Security = 0.31%. Margin = 3.25%. These loans have a 30-year term and an adjustable rate feature. Initial rate is fixed for the initial period and then one-year adjustable thereafter. Hazard Insurance is required. APR is based on $100,000 financed.
*Rate reflects a discount of .25% off of the Conventional Loan Rate with automatic funds transfer from a Hampshire First Bank checking account.
Adjustable
Rate Mortgage | Interest Rate | Points | APR | Monthly Payments per
$1000 borrowed | | 3/3 ARM | 4.25%* | 1 | 4.612% | First 36 Months $4.92 | | Based on 360 monthly payments 2% annual 6% lifetime cap |
Mortgage rate as of 7/8/2010. Annual Percentage Rate (APR) subject to change without notice and may increase after consummation of the loan. Owner-occupied (1-4 family) only. Downpayment of 25% required. APR is based on a 25% downpayment. Index: As of 7/2/2010, the current 3 Year Treasury Security = 1.010%. Margin = 3.25%. These loans have a 30-year term and an adjustable rate feature. Initial rate is fixed for the initial period and then three-year adjustable thereafter. Hazard Insurance is required. APR is based on $100,000 financed. Maximum loan amount $500,000. Minimum credit score of 700 with maximum debt ratio of 40%.
*Rate reflects a discount of .25% off of the Conventional Loan Rate with automatic funds transfer from a Hampshire First Bank checking account.
Fixed Rate Mortgages
Please contact your local Banking Center Manager at:
Manchester (603) 263-1423
Nashua (603) 324-1064
Keene (603) 357-7100
Londonderry (603) 425-2741
Portsmouth (603) 334-1280
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