Mortgage Rates - ASB - Athol Savings Bank: A Solutions Bank

Today’s Rates

Rates Effective 09/19/2024

Rates Subject to Change Without Notice

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Find rate and payment options to help you get the right loan to purchase or refinance. Use the link in the Featured Rate chart.

Fixed Rate Mortgage

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Term	Rate*	APR*	Payment per $1,000*
30 Year	7.250%	7.360%	$6.82
20 Year	7.000%	7.140%	$7.76
15 Year	6.625%	6.797%	$8.78
10 Year	6.500%	6.740%	$11.36

Biweekly Term and Payment options are also available.

* The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $175,000. The property is located in MA and is within Worcester County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. 

Payment does not include taxes and insurance, the actual payment obligation will be greater.

Adjustable Rate Mortgage

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Term	Rate*	APR*	Payment per $1,000*
1/1 ARM	5.500%	7.999%	12 payments of $5.68
3/1 ARM	5.625%	7.573%	36 payments of $5.76
5/1 ARM	5.875%	7.539%	60 payments of $5.92

* The information provided assumes the purpose of the loan is to purchase a property with an 80% loan to value. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and flood insurance if applicable.

Fixed Rate Construction

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Term	Rate*	APR*	Payment per $1,000*
30 Year	7.500%	7.713%	$6.99
20 Year	7.250%	7.517%	$7.91
15 Year	6.875%	7.197%	$8.92

* Annual Percentage Rate (APR) is subject to change without notice. Interest-only payments for the first 12 months based on amount drawn. Maximum loan amount is $999,999. A down payment is required. The information provided is based on a $100,000 loan. At the end of the 12-month construction period, loan converts to a conventional mortgage. Rate and APR may be different based on credit score, and loan-to-value ratio. Payments will vary based on down payment and do not include amounts for taxes and insurance, so actual payment amounts may be greater. Maximum loan-to-value ratio is 90% and requires Private Mortgage Insurance. Builder risk and property insurance required. Flood insurance may be required. First mortgage lien required. Single-family, owner-occupied residential properties only.

Fixed Rate Equity Loan

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Term	Rate*	APR*	Payment per $1,000*
15 Year	6.750%	6.750%	$8.85
10 Year	6.625%	6.625%	$11.42
5 Year	6.500%	6.500%	$19.57

* The information provided is based on a $25,000 loan. The property is located in Athol, Worcester County in the State of MA. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80% of the property value. 

Home Equity Line of Credit

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Introductory Rate Period	APR	Actions
6 Months	5.25% for 6 months then Prime minus 0.50% for the life of the loan*	Apply Now
12 Months	6.50% for 12 months then Prime minus 0.50% for the life of the loan*	Apply Now
24 Months	6.500% for 24 months then Prime minus 0.50% for the life of the loan*	Apply Now
36 Months	4.75% for 36 months then Prime for the life of the loan**	Apply Now