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MORTGAGES & LOANS - RI

Mortgage & Home Equity

RI Rates effective May 17, 2011

Fixed Rate Mortgages
Adjustable Rate Mortgages
Fixed Rate Home Equity
Home Equity Line of Credit, Auto & Other Consumer Loans

Fixed Rate Mortgages
Fixed Term Rate
Rate
Points
APR
Payment
Per $100,000
10 Year
3.375%
0.000%
3.509%
$983.01
10 Year
3.250%
1.000%
3.596%
$977.19
15 Year
3.990%
0.000%
4.084%
$739.19
15 Year 3.750% 1.000% 3.992% $727.22
20 Year
4.500%
1.000%
4.575%
$632.65
20 Year
4.375%
0.000%
4.568%
$625.92
30 Year
4.750% 0.000% 4.806% $521.65
30 Year
4.625%
1.000%
4.768%
$514.14
30 Year FHA
4.500%
0.000%
4.547%
$506.69
30 Year FHA
4.375%
1.000%
4.508%
$499.29
30 Year RSB CRA*
5.990%
0.000%
6.050%
$598.91
To apply or learn more call 877-963-2100 ext. 2830 (after hours ext. 2821).
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Rates are subject to change.
Purchase – Rate and APR assumes:  Borrower(s) credit score is greater than 740, the mortgage is for a single family owner occupied property, a 20% minimum down payment, and a loan amount of $100,000.
Refinance - Rate and APR assumes: Borrower(s) credit score is greater than 720, the mortgage is for a single family owner occupied property, a loan to value (LTV) of less than 75%, no cash out, and a loan amount of $100,000. Borrowers wanting cash out or with a credit score less than 720 are subject to adjustments to posted rates.
Conforming Loan Limits apply: One Unit - $417,000, Two Unit - $533,850, Three Unit - $645,300, Four Unit - $801,950.
Jumbo loans are available for all adjustable rate mortgages. Please call for details.
* Property must be located in the following towns: Coventry, Cranston, East Greenwich, North Kingston, Warwick, West Warwick.

Adjustable Rate Mortgages
For current rates call 877-963-2100 ext. 2830 (after hours ext. 2821).
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Fixed Rate Home Equity
Term
Rate
Points
APR
Re-Payment
Per $100,000
5 Year
6.500%
NA
6.500%
$1,957.00
10 Year
6.750%
NA
6.750%
$1,148.00
15 Year
7.000%
NA
7.000%
$899.00
20 Year
7.240%
NA
7.240%
$790.00
To apply or learn more call 877-963-2100 ext. 2830 (after hours ext. 2821).
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Home Equity Line of Credit, Auto & Other Consumer Loans
For current rates call 877-963-2100 ext. 2830 (after hours ext. 2821).
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