Lending Rates

Effective May97, 2012
Rates Subject to Change Without Notice.

Correspondent Mortgage Program – Sample  Fixed Rates

Description Term
(mos.)		 Rate Annual
Percentage
Rate (APR)		 Points Monthly
Payment
per $1,000
30 Year 360 3.625% 3.730% 0 $4.57
15 Year 180 3.000% 3.177% 0 $6.91
Assumptions:

  • Single Family, Owner Occupied Residential Property
  • $100,000.00 Loan Amount, 80% LTV, Rate and Term Refinance
  • Payments do not include taxes and insurance premiums.
  • When added the actual payment obligation will be greater.
  • Other terms and point-options available to maximum 95% LTV.
  • For more information, please call a Mortgage Loan Representative at 508-653-2340.

Natick Federal Mortgage Program – Sample Rates

Fixed Rate Mortgages Single Family/Owner Occupied

Description Term Rate Annual Percentage Rate (APR) Points Monthly Payment
per $1,000
30 Year 360 mos. 5.500% 5.510% 0 $5.68
30 Year 360 mos. 5.250% 5.441% 2 $5.53
15 Year 180 mos. 4.250% 4.266% 0 $7.53
15 Year 180 mos. 4.000% 4.316% 2 $7.40
10 Year 120 mos. 3.500% 3.522% 0 $9.89
10 Year 120 mos. 3.250% 3.699% 2 $9.78

Adjustable Rate 1 to 2 Family/Owner Occupied

Description Term
(mos.)		 Rate Annual Percentage Rate (APR) Points Cost of Funds Index Margin Cap Year/Life Year 1 Monthly Payment
per $1,000
1 Year ARM 360 4.000% 3.663% 0 1.122 2.50 1.50/10.50 $4.78
3/1 Year ARM 360 4.250% 3.775% 0 1.122 2.50 1.50/10.50 $4.92
5/1 Year ARM 360 4.500% 4.948% 0 1.122 2.50 1.50/10.50 $5.07
Assumptions:

  • Single Family, Owner Occupied Residential Property
  • $100,000.00 Loan Amount, 80% LTV, Rate and Term Refinance
  • Payments do not include taxes and insurance premiums.
  • When added the actual payment obligation will be greater.
  • Other terms and point-options available to maximum 95% LTV.
  • For more information, please call a Mortgage Loan Representative at 508-653-2340.

Home Equity Lines of Credit Rates

Description Rate Annual Percentage Rate (APR) Points Prime Index Margin Maximum Rate Cap
Evergreen 4.75% 4.75% 0 3.25% 1.50% 15.75%
  • Monthly Payments = 1.5% of Outstanding Principal Balance
Prime Equity 3.25% 3.25% 0 3.25% 0.00% 15.75%
  • Monthly Payments Years 1 to 10 = Interest Only
  • Monthly Payments Years 11 to 20 = Principal & Interest

Fixed Rate/Fixed Term Home Equity Loan

Description Term Rate Annual Percentage
Rate (APR)		 Monthly Payment
per $1,000
1 to 5 Years 60 mos. 5.875% 5.883% $19.28
6 to 10 Years 120 mos. 6.000% 6.004% $11.11
11 to 15 Years 180 mos. 6.250% 6.253% $8.58
Maximum Loan Amount is $200,000
For more information, please call a Mortgage Loan Representative at 508-653-2340.

Consumer Loan

(Automobile Loans, Personal Loans, Passbook Loans)

Loans Secured By Deposit Accounts. Loans against Savings Accounts and Certificates of Deposit are made at 2% above the deposit interest rate. APR refers to Annual Percentage Rate based on simple interest.

Please call one of our Loan Specialists at 508-653-2340.