Mortgage Loan Rates
Effective as of 5/16/08
(All rates subject to change without notice; restrictions may apply;
lending area limited to MA, RI, and Northern CT)

New Option for Home Buyers Enjoy the security of a 30 year fixed rate with a 1% to 2% lower than market interest rate for the first 3 years. Call our Mortgage Specialists today

Save $150 on closing costs when you apply online Purchases Only

Home Possible, Neighborhood Solution Buydown	Points	Interest Rate	Annual Percentage Rate (@80% LTV)	Payment per $1,000
Home Possible, Neighborhood Solution Buydown 97%	0 points	5.70%	7.01%	$5.81
	NPNC	6.125%	7.43%	$6.08
Home Possible, Neighborhood Solution Buydown 95%	0 points	5.625%	6.94%	$5.41
	NPNC	6.00%	7.31%	$6.00

Home Possible & Home Possible Neighborhood Solution	Points	Interest Rate	Annual Percentage Rate (@80% LTV)	Payment per $1,000
40 Year Fixed Home Possible and Home Possible Neighborhood Solution 97%	0 points	6.99%	6.99%	$6.21
	NPNC	7.50%	7.50%	$6.58
30 Year Fixed Home Possible and Home Possible Neighborhood Solution 97%	0 points	6.40%	6.40%	$6.26
	NPNC	6.85%	6.85%	$6.56
40 Year Fixed Home Possible and Home Possible Neighborhood Solution 95%	0 points	6.875%	6.88%	$6.13
	NPNC	7.375%	7.38%	$6.49
30 Year Fixed Home Possible and Home Possible Neighborhood Solution 95%	0 points	6.375%	6.38%	$6.24
	NPNC	6.75%	6.75%	$6.49

Initial Interest Mortgages	Points	Interest Rate	Annual Percentage Rate (@80% LTV)	Payment per $1,000
30 Year Fixed Rate 10/20 Initial interest first 10 years, 20 year repayment.	0 points	6.75%	6.75%	$5.63
	NPNC	7.125%	7.13%	$5.94
30 Year Fixed Rate 15/15 Initial interest first 15 years, 15 year repayment.	0 points	6.875%	6.88%	$5.73
	NPNC	7.375%	7.38%	$6.15

Adjustable Rate Mortgage Loans
Rate may increase after origination

Adjustable Rate Mortgages	Points	Interest Rate	Annual Percentage Rate (@80% LTV)	Payment Per $1,000 at initial rate based on 30 year term
10/1 ARM	0 points	6.50%	5.91%	$6.33
7/1 ARM Program	2 points	5.50%	5.40%	$5.68
	1 point	5.625%	5.37%	$5.76
	0 points	5.75%	5.34%	$5.84
7/1 ARM Jumbo	2 points	5.875%	5.72%	$5.92
	1 point	6.00%	5.69%	$6.00
	0 points	6.125%	5.66%	$6.08
5/1 ARM	2 points	5.00%	5.13%	$5.37
	1 point	5.125%	5.08%	$5.45
	0 points	5.25%	5.04%	$5.53
5/1 ARM Municipal Mtg	0 point	5.125%	4.99%	$5.45
Convertible 5/1 ARM **	2 points	5.00%	5.13%	$5.37
	1 point	5.125%	5.08%	$5.45
	0 points	5.25%	5.04%	$5.53
Affordable Purchase 3/1 ARM	0 point	5.00%	4.93%	$5.37
Convertible 3/1 ARM * *	2 points	4.75%	4.92%	$5.22
	1 point	4.875%	4.89%	$5.30
	0 points	5.00%	4.84%	$5.37
1 Year ARM (Non Conforming) with a credit score of
>620 - <659	1 point	8.125%	6.13%	$7.42
>580 - <619	1 point	8.25%	6.15%	$7.51
<580	1 point	8.375%	6.18%	$7.60
Convertible One Year ARM **	1 point	4.75%	4.83%	$5.22
	0 points	4.875%	4.79%	$5.30
Owner Occupied One Year ARM Constr.	1 point	5.375%	4.92%	$5.60
	0 points	5.50%	4.84%	$5.68
5/1 ARM Investment	0 points	6.125%	5.69%	$6.08
30 Year Fixed Investment
<75% L-T-V	0 points	6.50%	6.50%	$6.33
>75%<80% L-T-V	0 points	6.625%	6.63%	$6.41
>80%<90% L-T-V	0 points	6.75%	6.75%	$6.49