Claremont Savings Bank - Mortgage & Home Equity Rates

DEPOSIT RATES| CONSUMER LOAN RATES | MORTGAGE & HOME EQUITY RATES

In House 1-4 Family - First and Second Homes
Loan Type	Maximum	Term Points	Interest Rate	APR	Caps	P&I per $1,000
First and Second Homes - In House Adjustable Rate Programs
1 Year ARM	30 Years	0	3.000%	3.380%	2/6	$ 4.22
3/1 Year ARM	30 Years	0	3.250%	3.380%	2/6	$ 4.35
5/1 Year ARM	30 Years	0	3.500%	3.530%	2/6	$ 4.49
7/1 Year ARM	30 Years	0	4.250%	4.280%	2/6	$ 4.92
10/1 Year ARM	30 Years	0	4.625%	4.660%	2/6	$ 5.14
Primary Residences- Home Purchase Special
10/1 Year ARM Purchase Only	30 Years	0	4.250	4.280	2/6	$4.92
10/1 Year ARM FTHB**	30 Years	0	4.000	4.000	1/5	$4.77
Primary Residences - In House Fixed Rate Programs
Fixed Rate	15 Years	0	4.00%	4.060%	N/A	$ 7.40
Fixed Rate	10 Years	0	3.50%	3.580%	N/A	$ 9.89

Secondary Market 1-4 Family - First and Second Homes - Fixed Rates
Loan Type	Maximum	Term Points	Interest Rate	APR	Caps	P&I per $1000
Fixed Rate	15 Years	0	3.000%	3.056%	N/A	$6.91
Fixed Rate	30 Years	0	3.625%	3.657%	N/A	$4.56

Mobile Home Rates
Loan Type	Maximum	Margin	Interest Rate	APR	Caps	P&I per $1,000
Mobile Homes on Land - Minimum Down Payment: 20%
5/3 Year ARM	25 Years	4.250%	4.500%	4.760%	2/6	$ 5.56
7/1 Year ARM	25 Years	4.000%	5.250%	5.180%	2/6	$ 5.99
15 Year Fixed	15 Years	N/A	5.000%	5.060%	N/A	$ 7.91
Mobile Homes in Parks/on Leased Land (used or new) - Minimum Down Payment: 20%
5/3 Year ARM	20 Years	4.250%	5.550%	5.290%	2/6	$ 6.88
7/1 Year ARM	20 Years	4.000%	6.250%	5.850%	2/6	$ 7.31
10 Year Fixed	10 Years	N/A	5.500%	5.590%	N/A	$10.85

Annual Percentile Rates (APRs) assume a 20% down payment and are based upon a $100,000 loan including points and a $395 processing fee.
Loans between $500,000 and $750,000 add .25%. Loans over $750,000 add .50%.
Second home interest rates and margins are .50 higher than primary residence interest rates and require a 25% down payment
Private mortgage insurance required on loans with less than 20% down.
Variable rates may increase over the term of the loan.
Advertised programs and rates are subject to change without notice.
Floor rates equal interest rate or 5% whichever is less.
Construction loans available. One closing only. Restrictions may apply.
*Interest rates and programs are subject to change without notice.
**First Time Home Buyer

Please contact us for details.

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