Mortgage Rates

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Fixed Rate Mortgages

Effective Date: Tuesday, December 10, 2024

Term	Rate	Points	APR^1,2	Payment per $1,000 borrowed
30 Years	6.250%	2	6.527%	$6.16
30 Years	6.375%	1	6.555%	$6.24
30 Years	6.625%	0	6.709%	$6.40
20 Years	6.125%	2	6.489%	$7.24
20 Years	6.250%	1	6.486%	$7.31
20 Years	6.500%	0	6.609%	$7.46
15 Years	6.000%	2	6.456%	$8.44
15 Years	6.125%	1	6.420%	$8.51
15 Years	6.375%	0	6.511%	$8.64
10 Years	5.875%	2	6.518%	$11.04
10 Years	6.000%	1	6.416%	$11.10
10 Years	6.250%	0	6.441%	$11.23
1.Rates and Annual Percentage Rates (APRs) are based on a loan amount of $242,500 with 20% down on purchase. Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.
2. APR denotes Annual Percentage Rate. Owner occupied properties single family, condominium and two-family dwellings are eligible. Allowable loan amounts: $125,000-$766,550. The combined cumulative loan-to-value cannot exceed 97% for single family & condominiums or 95% for two family dwellings. (Loan to value ratio exceeding 80% requires Private Mortgage Insurance).
Subject to credit approval, homeowner's insurance is required, flood insurance may be required. Additional restrictions and conditions may apply. Rates and APRs are subject to change without notice. Subject to credit approval, homeowner’s insurance is required, flood insurance may be required. Additional restrictions and conditions may apply. Rates and APRs are subject to change without notice. Contact a mortgage loan originator at Haverhill Bank for details or apply directly online.

Effective Date: Tuesday, December 10, 2024

Term	Rate	APR^1,2	Payment per $1,000 borrowed
30 year	6.625%	6.646%	$6.40
15 year	6.375%	6.409%	$8.64

1.Rates and Annual Percentage Rates (APRs) are based on a loan amount of $800,000 with 20% down on purchase. Payments do not include taxes and insurance premiums. When added the actual payment obligation will be greater.
2. APR denotes Annual Percentage Rate. Owner occupied properties' single family, condominium and two-family dwellings are eligible. Program is for loans in an amount exceeding $766,550, not to exceed $2,000,000. The combined cumulative loan-to-value cannot exceed 80%
Subject to credit approval, homeowner's insurance is required, flood insurance may be required. Additional restrictions and conditions may apply. Rates and APRs are subject to change without notice. Contact a mortgage loan originator at Haverhill Bank for details or apply directly online.

Effective Date: Tuesday, December 10, 2024

Term	Rate	APR*	Payment per $1,000 borrowed
30 year	6.375%	6.958%	$6.24

*For qualified buyers only, subject to credit approval. A $1,000 lender credit will be applied at closing. Must complete and provide proof of completion for a qualified first-time homebuyer course. Interest Rate and Annual Percentage Rate (APR) effective as of date listed above and interest rate, APR and discount point shown are subject to change without notice. Rates are based on single family and approved condominium, owner-occupied dwellings. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value greater than 80%. There is a maximum loan amount of $766,550. The combined cumulative loan-to-value cannot exceed 97%. Estimated payments do not include amounts for property taxes, property insurance and/or flood insurance, if applicable; the actual payment obligation will be higher. An escrow account may be required. Rates and Annual Percentage Rates (APRs) are based on loan amount of $242,500. Contact a mortgage originator at Haverhill Bank for details or apply directly online.

Effective Date: Tuesday, December 10, 2024

Term	Rate	Points	APR	Payment per $1,000 borrowed
30 Years	6.250%	0	6.830%	$6.16
For qualified buyers only, subject to credit approval. A $1,000 lender credit will be applied at closing. Interest Rate and Annual Percentage Rate (APR) effective as of date listed above and interest rate, APR and discount point shown are subject to change without notice. Rates are based on single family and approved condominium, owner-occupied dwellings. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value greater than 80%. There is a maximum loan amount of $766,550. Estimated payments do not include amounts for property taxes, property insurance and/or flood insurance, if applicable; the actual payment obligation will be higher. An escrow account may be required. Rates and Annual Percentage Rates (APRs) are based on loan amount of $242,500. Contact a mortgage originator at Haverhill Bank for details or apply directly online.

Effective Date: December 10, 2024

Term	Rate	Points	APR	Payment per $1,000 borrowed
30 Years	6.250%	0	6.830%	$6.16
*For qualified first time homebuyers only, subject to credit approval. Down payment/closing cost assistance of up to $30,806 available for owner occupied single family and 1-4 family homes, including qualified condominiums. Eligible applicants may not earn more than 80% of the area median income based on subject property address and must complete a homebuyer counseling education program administered by an agency designated by FHLB; see a Mortgage Originator for details. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value ratio greater than 80%. Maximum loan amounts apply based on conforming loan limits. Down payment/closing cost availability is not guaranteed as funds are accessed through an enrollment pool on a first-come, first-served basis.

Effective Date: Tuesday, December 10, 2024

Term	Interest Rate	APR	Payments per $1,000 borrowed	Number of Payments
5 Years	6.625%	6.625%	$19.62	60
10 Years	6.750%	6.750%	$11.48	120
20 Years	7.000%	7.000%	$7.75	240
APR denotes annual percentage rate. Available for owner occupied 1-4 family residential properties or condominiums. Properties for sale not eligible. Homeowner’s insurance is required, flood and title insurance may be required. Consult your tax advisor for further information regarding deductibility of interest and charges. There is a minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply.
Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online.