Fixed Rate Mortgages

Important Notice for Stoneham Branch

Our Stoneham Branch continues to be impacted by the ongoing culvert construction project on Montvale Ave. Access to the branch remains open during this construction period. To ensure you stay up to date on any changes or developments, we encourage you to check for the latest update here. We apologize for any inconvenience this construction project may cause and appreciate your understanding and patience. If you have any questions, please feel free to reach out to our Customer Contact Center at 888.402.2265.

Fixed Rate Mortgage Features

Low rates
Low down payments
Various terms to choose from
Loan options available for both 1-4 family houses and condominiums

Effective as of 9/25/2023

Term	Rate	APR¹	Monthly P&I ²Payment (per $1,000) Payment amounts do not include taxes and insurance. Your payments may be greater.
30-Year Fixed Rate SPECIAL³	6.750%	6.823%	$6.49 (360 payments)
30-Year Fixed Rate⁴	7.625%	7.705%	$7.08 (360 payments)
20-Year Fixed Rate⁴	7.500%	7.602%	$8.06 (240 payments)

All rates are subject to change without notice. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

¹Annual Percentage Rate (APR) is based on a single-family primary residence property and is subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type, and occupancy. All rates subject to change without notice. Subject to credit approval.

²Principal and Interest (P&I)

³Annual Percentage Rate (APR) above is based on a loan amount of $400,000, for owner-occupied property or 2^nd homes with a 80% or lower Loan to Value (LTV) and FICO Score of 700 or 75% or lower LTV and FICO Score of 680. The property is located in MA or Southern New Hampshire. Rates may vary based on other scenarios.

⁴Annual Percentage Rate (APR) above is based on a loan amount of $400,000, single-family primary residence purchase transaction with a loan to value of 80% or less and a FICO Score of 740. The property is located in MA or Southern New Hampshire. Rates may vary based on other scenarios. Private Mortgage Insurance (PMI) is required if the down payment is less than 20%.