Mortgages

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Home Mortgage Rates

Residential Real Estate Loans for 1-4 Family Dwellings.
All rates and terms are subject to change at any time.

October 21, 2013 9:17 AM

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For more information, call (866) 823-6887

FIXED RATES

Owner occupied or Second Home (First Mortgages up to $417,000) Loans over this amount are Jumbos.

Product Interest Rate Points Annual Percentage Rate (APR) Minimum Down Payment per $1,000 Borrowed Number of Payments
15 Year Fixed 3.125% 0.000 3.213% 5% $6.96 180
20 Year Fixed 3.875% 0.000 3.945% 5% $5.99 240
30 Year Fixed 3.990% 0.000 4.040% 5% $4.76 360

Payments shown do not include taxes or insurance. Your payment may be greater. Payments and rates based on 20% down payment and no mortgage insurance.

Non-Owner occupied (First Mortgages up to $500,000)

15 Year Fixed 4.750% 0.000 4.842% 25% $7.77 180
ADJUSTABLE RATES

Payments shown do not include taxes or insurance. Your payment may be greater

Product Interest Rate Term Points Annual Percentage Rate (APR) Payment per $1,000 borrowed Fully Indexed Rate Term Payment per $1,000 borrowed Minimum Down
Owner occupied First Mortgage
5/1 adjustable* 3.125% 5 years 0.000 3.009% $4.28 2.875% 25 years $4.16 5%
7/1 adjustable* 3.500% 7 years 0.000 3.212% $4.49 2.875% 23 years $4.21 5%
10/1 adjustable* 3.625% 10 years 0.000 3.382% $4.56 2.875% 20 years $4.26 5%
Construction Loan 6.500% 0.000 7.576% 20%

Payments and rates based on 20% down payment and no mortgage insurance. *Rate may change after the account is opened.

Non-Owner occupied

3/1 adjustable* 4.375% 3 years 0.000 3.255% $4.99 2.875% 27 years $4.21 25%
5/1 adjustable* 4.875% 5 years 0.000 3.636% $5.29 2.875% 25 years $4.28 25%
Construction Loan 7.000% 1.000 8.081% 30%

*Rate may change after the account is opened.

MASSHOUSING HOMEBUYER PROGRAM

MASSHOUSING HOMEBUYER PROGRAM

MassHousing    Product Interest Rate Points Annual Percentage Rate (APR) Minimum Down Payment per $1,000 borrowed Number of Payments
Century Bank MassHousing Mortgage (Owner Occupied)
30 Year Fixed Rate With Mortgage Insurance 4.000% 0.000 4.076% 3% $4.77 360
30 Year Fixed Rate With No Mortgage Insurance 4.625% 0.000 4.704% 3% $5.14 360

Payments shown do not include taxes or insurance. Your payment may be greater. Payments and rates for loans with mortgage insurance are based on a 3% down payment. Payments and rates for loans with no mortgage insurance are based on a 3% down payment.

JUMBO RATES

Owner Occupied Loans are between $417,000 - $1,000,000

Product Interest Rate Points Annual Percentage Rate (APR) Minimum % Down Payment per $1,000 borrowed Number of Payments
15 Year Fixed 3.500% 0.000 3.521% 25% $7.14 180
20 Year Fixed 3.875% 0.000 3.892% 25% $5.99 240
30 Year Fixed 3.990% 0.000 4.002% 25% $4.76 360
Product Interest Rate Term Points Annual Percentage Rate (APR) Payment per $1,000 borrowed Fully Indexed Rate Term Payment per $1,000 borrowed Minimum Down
7/1 adjustable* 3.500% 7 years 0.000 3.174% $4.49 2.875% 23 years $4.21 25%
10/1 adjustable* 3.875% 10 years 0.000 3.500% $4.70 2.875% 20 years $4.30 25%

Payments shown do not include taxes or insurance. Your payment may be greater. Payment and rates based on a 25% down payment and no mortgage insurance. 

*Rate may change after the account is opened.

Subject to credit approval.

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