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%	3.490%	2/6	$ 4.22
3/1 Year ARM	30 Years	0	3.250%	3.480%	2/6	$ 4.35
5/1 Year ARM	30 Years	0	4.125%	4.160%	2/6	$ 4.85
7/1 Year ARM	30 Years	0	4.500%	4.530%	2/6	$ 5.07
Primary Residences - In House Fixed Rate Programs
Fixed Rate	15 Years	0	4.625%	4.680%	N/A	$ 7.71
Fixed Rate	30 Years	0	5.000%	5.030%	N/A	$ 5.37
First Time Home Buyers - Special programs may be available. Call for details.

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	0.000	3.750%	3.807%	N/A	$ 7.27
Fixed Rate	15 Years	1.500	3.375%	3.653%	N/A	$ 7.09
Fixed Rate	30 Years	0.000	4.250%	4.283%	N/A	$ 4.92
Fixed Rate	30 Years	1.625	3.875%	4.043%	N/A	$ 4.70

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%	5.250%	5.220%	2/6	$ 5.99
7/1 Year ARM	25 Years	4.000%	5.500%	5.090%	2/6	$ 6.14
15 Year Fixed	15 Years	N/A	5.625%	5.690%	N/A	$ 8.24
Mobile Homes in Parks/on Leased Land (used or new) - Minimum Down Payment: 20%
5/3 Year ARM	20 Years	4.250%	6.125%	5.610%	2/6	$ 7.24
7/1 Year ARM	20 Years	4.000%	6.500%	5.830%	2/6	$ 7.46
10 Year Fixed	10 Years	N/A	6.875%	6.960%	N/A	$11.55

Annual Percental 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 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.
All ARMs have a minimum floor interest rate of 5.00%.
Construction loans available. One closing only.
Zero points for above Mobile Home Rates
*Interest rates and programs are subject to change without notice.

Please contact us for details.

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