Today’s Rates
Rates Effective 3/21/2023
Rates Subject to Change Without Notice
30 Year Fixed Rate
| Rate | APR | Points |
|---|---|---|
| 6.000%* | 6.101%* | 0.000% |
* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 6.000% interest rate, the APR for this loan type is 6.101%. The payment schedule would be:
359 payments of $599.55 at an interest rate of 6.000%. 1 payment of $600.00 at an interest rate of 6.000%. Payment does not include taxes and insurance, the actual payment obligation will be greater.
30 Year Fixed Rate Biweekly
| Rate | APR | Points |
|---|---|---|
| 6.000%* | 6.101%* | 0.000% |
* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 6.000% interest rate, the APR for this loan type is 6.101%. The payment schedule would be:
634 payments of $299.98 at an interest rate of 6.000%. 1 payment of $9.44 at an interest rate of 6.000%. Payment does not include taxes and insurance, the actual payment obligation will be greater.
20 Year Fixed Rate
| Rate | APR | Points |
|---|---|---|
| 5.875%* | 6.009%* | 0.000% |
* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 5.875% interest rate, the APR for this loan type is 6.009%. The payment schedule would be:
239 payments of $709.47 at an interest rate of 5.875%. 1 payment of $708.21 at an interest rate of 5.875%. Payment does not include taxes and insurance, the actual payment obligation will be greater.
20 Year Fixed Rate Biweekly
| Rate | APR | Points |
|---|---|---|
| 5.875%* | 6.011%* | 0.000% |
* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 5.875% interest rate, the APR for this loan type is 6.011%. The payment schedule would be:
448 payments of $354.71 at an interest rate of 5.875%. 1 payment of $38.71 at an interest rate of 5.875%. Payment does not include taxes and insurance, the actual payment obligation will be greater.
15 Year Fixed Rate
| Rate | APR | Points |
|---|---|---|
| 5.500%* | 5.667%* | 0.000% |
* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 5.500% interest rate, the APR for this loan type is 5.667%. The payment schedule would be:
179 payments of $817.08 at an interest rate of 5.500%. 1 payment of $818.11 at an interest rate of 5.500%. Payment does not include taxes and insurance, the actual payment obligation will be greater.
15 Year Fixed Rate Biweekly
| Rate | APR | Points |
|---|---|---|
| 5.500%* | 5.672%* | 0.000% |
* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 5.500% interest rate, the APR for this loan type is 5.672%. The payment schedule would be:
344 payments of $408.61 at an interest rate of 5.500%. 1 payment of $256.81 at an interest rate of 5.500%. Payment does not include taxes and insurance, the actual payment obligation will be greater.
10 Year Fixed Rate
| Rate | APR | Points |
|---|---|---|
| 5.375%* | 5.610%* | 0.000% |
* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 5.375% interest rate, the APR for this loan type is 5.610%. The payment schedule would be:
119 payments of $1079.08 at an interest rate of 5.375%. 1 payment of $1079.05 at an interest rate of 5.375%. Payment does not include taxes and insurance, the actual payment obligation will be greater.
10 Year Fixed Rate Biweekly
| Rate | APR | Points |
|---|---|---|
| 5.375%* | 5.622%* | 0.000% |
* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 5.375% interest rate, the APR for this loan type is 5.622%. The payment schedule would be:
233 payments of $539.54 at an interest rate of 5.375%. 1 payment of $413.68 at an interest rate of 5.375%. Payment does not include taxes and insurance, the actual payment obligation will be greater.
Fixed Rate Equity Loan - 5 Year
| Rate | APR | Points |
|---|---|---|
| 5.500%* | 5.550%* | 0.000% |
* The information provided is based on a $25,000 loan. The property is located in Athol, Worcester County in the State of MA. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80% of the property value.
At a 5.500% interest rate, the APR for this loan type is 5.550%. The payment schedule would be:
59 payments of $1910.15 at an interest rate of 5.500%. 1 payment of $1909.76 at an interest rate of 5.500%.
ChoicEquity-24 Month Line of Credit
| Rate | APR | Points |
|---|---|---|
| 6.500%* | 6.500%* | 0.000% |
* The information provided is based on a $25,000 loan. The property is located in Athol, Worcester County in the State of MA. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80% of the property value.
Interest Rate/APR: 6.500% for the first 24 months, then Prime Rate as published in the Wall Street Journal minus -0.500% (currently 7.25%). However, your maximum rate will never be greater than 12.000% with a floor of 3.490%.
Payment: Minimum monthly payment will be equal to the finance charges that accrued on the average daily balance outstanding during the preceding month.
Term: 10 years draw period followed by a 10 year amortized repayment period.
Balance Due at End of Loan Term: If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends.
Closing Fees: $0.00
Annual Fee: $50