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Updated on 2/22/2017

1-4 Family – In House | 1-4 Family – Secondary Market | Home Equity Loans | Mobile Homes

In House 1-4 Family (First & Second Homes)*
Loan Type Maximum Term Points Interest Rate APR Caps P&I per $1,000
First & Second Homes – In House Adjustable Rate Programs
3/1 Year ARM 30 Years 0 2.875% 3.590% 2/6 $4.15
5/1 Year ARM 30 Years 0 3.125% 3.565% 2/6 $4.28
7/1 Year ARM 30 Years 0 3.375% 3.610% 2/6 $4.42
10/1 Year ARM 30 Years 0 3.875% 3.910% 2/6 $4.70
Primary Residences – Home Purchase Special
10/1 Year ARM FTHB** 30 Years 0 3.750% 3.750% 1/5 $4.63
Primary Residences – In House Fixed Rate Special
Fixed Rate 15 Years  0 3.375% 3.438% N/A $7.09
Fixed Rate 10 Years 0 3.125% 3.215% N/A $9.71
Secondary Market 1-4 Family (First & Second Homes – Fixed Rate)*
Loan Type Maximum Term Points Interest Rate APR Caps P&I per $1,000
Fixed Rate 30 Years 0 4.125% 4.165% N/A $4.85
NH Rural Development – Fixed Rate***
Loan Type Maximum Term Points Interest Rate APR Caps P&I per $1,000
Fixed Rate 30 Years 0 3.875% 3.912% N/A $4.70
Home Equity Loans*
Loan Type Maximum Term Points Interest Rate APR Caps P&I per $1,000
HELOC***** 20 Years 0 4.500% 4.500% 18% $10.36
10 Year Fixed Conventional 10 Years 0 4.750% 4.778% N/A $10.48
Mobile Home Rates*
Loan Type Maximum Term Margin Interest Rate APR Caps P&I per $1,000
Mobile Homes on Land
20% Minimum Down Payment
5/1 Year ARM 25 Years 4.000% 4.125% 4.534% 2/6 $5.35
7/1 Year ARM 25 Years 4.000% 4.375% 4.589% 2/6 $5.49
15 Year Fixed 15 Years NA 5.375% 5.441% N/A $8.10
Mobile Homes in Parks/on Leased Land (Used or New)
20% Minimum Down Payment
5/1 Year ARM 20 Years 4.000% 6.125% 5.611% 2/6 $7.24
7/1 Year ARM 20 Years 4.000% 6.375% 5.936% 2/6 $7.38
10 Year Fixed 10 Years NA 6.125% 6.221% N/A $11.16

*Interest rates and programs subject to change without notice. **First time homebuyer – no processing fee assessed. ***Rural Development loans feature a $50,000 minimum loan amount. ****Does not meet secondary market guidelines. Please contact us for details. *****HELOCS have 10 year draw period followed by a 10 year fully ammortized P&I repayment period.

  • Annual Percentile Rates (APRs) assume a 20% down payment and are based upon a $100,000 loan including points and a $425.00 processing fee
  • Loans between $418,000 and $750,000, add 0.125%; loans over $750,000, add 0.25%
  • Private mortgage insurance (PMI) required on loans with less than 20% down
  • Variable rates may increase over the term of the loan
  • Floor rates equal interest rate or 5%, whichever is less
  • Construction loans available – one closing only, restrictions may apply

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