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Home Equity Rates

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Home Equity Rates

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

 

Prime Rate 3.50%

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For more information, call (866) 823-6887

Home Equity Loans (Owner Occupied/Second Home) (Fixed Rate)
Product Interest Rate Points Annual Percentage Rate (APR) Minimum Down Payment per $1,000 borrowed Number of Payments
5 Year Fixed 3.490% 0.000 3.490% n/a $18.19 60
10 Year Fixed 3.990% 0.000 3.990% n/a $10.12 120
15 Year Fixed 4.125% 0.000 4.125% n/a $7.46 180
20 Year Fixed 4.375% 0.000 4.375% n/a $6.26 240

The loan to value ratio is a maximum of 75%. The quoted rate assumes autodebit payment from a Century checking account, all others must add .50% to the quoted rates. Property Insurance Required.

Home Equity Lines of Credit (Variable Rate)
Product Interest Rate Points Annual Percentage Rate (APR) Minimum %Down Payment per $1,000 borrowed Number of Payments

Owner Occupied or Second Homes

2.990% 0.000 2.990% n/a n/a n/a
Non-Owner Occupied 4.500% 0.000 4.500% n/a n/a n/a

The annual percentage rate (APR) is variable and based on the Prime Rate minus .51% for 1-4 family owner occupied/second homes and Prime Rate plus 1.00% for non-owner occupied 1-4 family homes in Massachusetts as published in the Wall Street Journal as of the last business day of the month effective with the first business day of the following month.  Prime rate is listed at the top of this page. Rate may change after account opening. Lines have a 10 year draw period followed by a 10 year repayment period.  Loan to value not to exceed 75%.  Property insurance required.  The quoted rate assumes autodebit payment from a Century checking account, all others will be Prime Rate plus .50% for owner occupied/second homes and Prime Rate plus 1.50% for non-owner occupied homes.  The APR will not exceed 18% and will not go below 2.990%.

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