# Mortgage Rates

All estimates below are based on a loan amount of $200,000. If you are interested in our Jumbo Mortgage Products & Rates (for loan amounts over $484,350), please do not hesitate to contact Marc Sanguinetti at msanguinetti@baystatesavings.com (NMLS# 408584).

### 30 year 5/1 ARM

Rate | APR | Points |
---|---|---|

3.990% | 4.932% | 0.00% |

At a 3.990% initial interest rate, the APR for this loan type is 4.932%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

- 60 payments of $953.68 at an interest rate of 3.990%
- 299 payments of $1,097.21 at an interest rate of 5.375%
- 1 payment of $1,098.86 at an interest rate of 5.375%

This payment schedule is based on a $200,000 loan on a $250,000 property in Worcester county, MA.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

### 30 year 7/1 ARM

Rate | APR | Points |
---|---|---|

4.125% | 4.829% | 0.00% |

At a 4.125% initial interest rate, the APR for this loan type is 4.829%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

- 84 payments of $969.30 at an interest rate of 4.125%
- 275 payments of $1,090.91 at an interest rate of 5.375%
- 1 payment of $1,089.95 at an interest rate of 5.375%

This payment schedule is based on a $200,000 loan on a $250,000 property in Worcester county, MA.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

### 30 year 10/1 ARM

Rate | APR | Points |
---|---|---|

4.250% | 4.728 | 0.00% |

At a 4.250% initial interest rate, the APR for this loan type is 4.728%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

- 120 payments of $983.88 at an interest rate of 4.250%
- 239 payments of $1,081.77 at an interest rate of 5.375%
- 1 payment of $1,082.97 at an interest rate of 5.375%

This payment schedule is based on a $200,000 loan on a $250,000 property in Worcester county, MA.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

### 30 Year Fixed Rate

Rate | APR | Points |
---|---|---|

*4.500% | 4.573% | 0.000% |

*At a 4.500% interest rate, the APR for this loan type is 4.573%. The monthly payment schedule would be:

- 359 payments of $1,013.37 at an interest rate of 4.500%
- 1 payment of $1,014.00 at an interest rate of 4.500%

This payment schedule is based on a $200,000 loan on a $250,000 property in Worcester county, MA.

### 20 Year Fixed Rate

Rate | APR | Points |
---|---|---|

*4.375 | 4.474% | 0.000% |

*At a 4.375% interest rate, the APR for this loan type is 4.474%. The monthly payment schedule would be:

- 239 payments of $1,251.84 at an interest rate of 4.375%
- 1 payment of $1,253.32 at an interest rate of 4.375%

This payment schedule is based on a $200,000 loan on a $250,000 property in Worcester county, MA.

### 15 Year Fixed Rate

Rate | APR | Points |
---|---|---|

*4.00% | 4.122% | 0.000% |

*At a 4.000% interest rate, the APR for this loan type is 4.122%. The monthly payment schedule would be:

- 179 payments of $1,479.38 at an interest rate of 4.000%
- 1 payment of $1,478.43 at an interest rate of 4.000%

This payment schedule is based on a $200,000 loan on a $250,000 property in Worcester county, MA.

### 10 Year Fixed Rate

Rate | APR | Points |
---|---|---|

4.00% | 4.177% | 0.000% |

At a 4.00% interest rate, the APR for this loan type is 4.177%. The monthly payment schedule would be:

- 119 payments of $2,024.90 at an interest rate of 4.000%
- 1 payment of $2,025.42 at an interest rate of 4.000%

This payment schedule is based on a $200,000 loan on a $250,000 property in Worcester county, MA.

- All rates, offerings, and information above, including the Annual Percentage Rate (APR), are subject to change without notice.
- The option to pay discount points to lower or “buy down” the rate may be available for certain products.
- The monthly payment amount shown includes principal, interest and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow account is established or required.
- Homeowners insurance required on all offerings listed above.
- All offerings and rates listed above are subject to loan amount, credit history, loan-to-value ratio, and debt-to-income ratio. Other terms & restrictions may apply. Finance charges affect APR. Your actual interest rate and APR may vary.
- Special information for all adjustable rate mortgages: The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. Adjustable rate mortgages (ARMs) offer an initial rate that is fixed for a specified period. After the specified period, the rate may increase or decrease depending on current market conditions. For example, our 5-year adjustable rate mortgage has a fixed interest rate for the first five years of the loan. After that, the interest rate can increase or decrease annually. The rate would then be determined by adding the current index to a fixed margin.

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