|
Mortgage Loan Rates
For more information, or to apply now, visit our Online Mortgage Center
| The Annual
Percentage Yields are effective as of March 05, 2010. |
|
MORTGAGE PROGRAM
|
POINTS
|
INTEREST RATE
|
APR
|
$ PER
$1000
|
|
30 Year Fixed*
|
2
|
4.875% |
5.084%
|
$5.29
|
|
30 Year Fixed*
|
1
|
5.000% |
5.120% |
$5.37
|
|
30 Year Fixed*
|
|
5.125%
|
5.156% |
$5.44
|
|
30 Year Fixed*
PROMOTION*
|
No
Points |
5.000% |
5.031% |
$5.37 |
30
Year Fixed*
|
No Points
No Closing Costs
|
5.625% |
5.625%
|
$5.76
|
|
20 Year Fixed*
|
2 |
4.500% |
4.781%
|
$6.33 |
|
20 Year Fixed*
|
1 |
4.750% |
4.912% |
$6.46
|
|
20 Year Fixed*
|
No Points
|
4.875%
|
4.917%
|
$6.53
|
20 Year Fixed*
PROMOTION*
|
No Points
|
4.750% |
4.792% |
$6.46
|
|
20 Year Fixed*
|
No Points
No Closing Costs
|
5.375% |
5.375% |
$6.81 |
|
15 Year Fixed*
|
2
|
4.250% |
4.606% |
$7.52
|
|
15 Year Fixed*
|
1
|
4.375% |
4.579%
|
$7.59
|
|
15 Year Fixed*
|
No Points
|
4.500% |
4.553% |
$7.65
|
|
15 Year Fixed*
PROMOTION*
|
No
Points |
4.375% |
4.428% |
$7.59 |
|
15 Year Fixed*
|
No Points
No Closing Costs
|
5.000% |
5.000% |
$7.91
|
|
10 Year Fixed*
|
No Points
|
4.250%
|
4.326% |
$10.24
|
|
3 Year Adjustable**
30 Year Mortgage
|
No Points
|
5.250%
|
3.845% |
$5.52
|
|
5 Year Adjustable ** 30 Year Mortgage
|
No
Points |
5.500% |
4.201% |
$5.68 |
Payments do no include amounts for taxes and insurance
premiums.
For more information,
or to apply now, visit our Online
Mortgage Center
|
Conventional Mortgage Limits as follows:
|
|
Type
|
Maximum Amount
|
|
One Unit
|
|
|
Two Units
|
$533,850.00
|
|
Three Units
|
$645,300.00 |
|
Four Units
|
$801,950.00 |
$100,000 minimum balance/0 points, no closing costs are available.
*Annual Percentage Rates (APRs) as of March 05,
2010 based upon a $100,000 loan for a Conventional loan and $500,000 for
a fixed rate jumbo loan, for owner-occupied properties, 1-4 family residences,
and subject to change. Mortgage APRs based on 20% down payment for purchases
and 60% LTV for cash out refinances (fixed rate loans). Rates based upon
a 30 day closing. Adjustable Rate Mortgage APRs are subject to increase
throughout the repayment period. Rates based on final credit decision
and may be priced for risk. Maximum loan-to-value (LTV) for First Time
Homebuyer program is 95%, and income restrictions apply. Maximum LTV for
all other mortgages is 90% for purchases and no-equity out refinances.
Based on 0 points, maximum 80% LTV for purchases or maximum 60% LTV for
cash-out refinance. PROMOTION - Not available for refinance of existing
Charles River Bank. Monthly payment DOES NOT include insurance and taxes.
No Points No Closing (0/0): There are costs associated with these loan
products. Costs are prepaid interest, tax escrow and PMI if applicable,
all other fees are paid by Charles River Bank. The Bank will pay the appraisal
fee up to $325.00. 0/0 - No points/No closing costs $100,000 minimum mortgage.
0/0 product offered for single owner occupied properties. Ask about MassHousing
products, rates, services, low down payments and discounted Mortgage Insurance
premiums.
For
more information, or to apply now, visit our Online
Mortgage Center
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