Rates are current as of the date below and are subject to change at any time without notice.  Rates and terms will be confirmed by a Southbridge Savings Bank Loan Originator upon receipt of your application.  The APR's on a Mortgage assumes a 20% down payment and the loan closing occuring on the first of the month.

 

 

Rates as of Wednesday, March 10, 2010
Product Description	Points	Interest Rate	Annual Percentage Rate	Payment per $1,000	Payments	Closing Costs	Apply
Conventional Loans
15 Yr Fixed Monthly	0.000	4.375%	4.526%	$7.59	Show Payments and Rates	$2,624.00
20 Year Fixed	0.000	4.875%	4.996%	$6.53	Show Payments and Rates	$2,624.00
30 Year Fixed	0.000	5.000%	5.089%	$5.37	Show Payments and Rates	$2,624.00
40 Year Fixed	0.000	5.875%	5.955%	$5.42	Show Payments and Rates	$2,624.00
3 Year ARM Monthly
3-3 Adjustable Rate Mortgage	0.000	5.000%	3.583%	$5.37	Show Payments and Rates	$2,624.00
3 Year ARM 40 Year
3 Year ARM 40 Year	0.000	5.250%	3.563%	$4.99	Show Payments and Rates	$2,624.00
5/1 ARM 40 Year
5/1 ARM 40 Year Purchase	0.000	5.500%	4.520%	$5.16	Show Payments and Rates	$2,624.00
5/1 ARM Monthly
5-1 Adjustable Rate Mortgage	0.000	5.250%	4.595%	$5.52	Show Payments and Rates	$2,624.00
7/1 Year ARM
7-1 Adjustable Rate Mortgage	0.000	5.375%	4.789%	$5.60	Show Payments and Rates	$2,624.00
7/1 Year ARM 40 Year
7/1 Yr ARM 40 Year Purchase	0.000	5.750%	4.850%	$5.33	Show Payments and Rates	$2,624.00
7/1 ARM 95% LTV
7/1 ARM 95% LTV Purchase	0.000	5.500%	5.534%	$5.68	Show Payments and Rates	$2,624.00

• The above rates and points assume a mortgage for the first lien purchase/refinance of a single family, owner occupied primary residence.  Other restrictions may apply.
• Closing costs states are estimated values based on a typical loan scenario.
• Mortgage loans with a loan-to-value ratio over 80% require Private Mortgage Insurance.
• To calculate your monthly principal and interest payment using the chart above, simply multiply the dollar figure in the payment per $1,000 column by the mortgage amount desired (in thousands) and divide the total by 1,000

Rates as of Wednesday, March 10, 2010
Product Description	Interest Rate	Annual Percentage Rate	Apply
Fixed Rate HELOC
Fixed Rate HELOC 10 Year Draw/10 Year Repayment	6.250%	6.287%
Adjustable Rate HELOC
HELOC Prime 10 Year Draw / 10 Year Repayment	4.990%	4.990%

 

Rates as of Wednesday, March 10, 2010
Product Description	Origination Fee	Interest Rate	Annual Percentage Rate	Payment per $1,000	Apply
10% Down up to 60 months
New Auto 2010/2009 10% Down	$35.00	5.990%	5.990%	$19.33
10% Down 72 months
New Auto 2010/2009 10% Down	$35.00	6.500%	6.500%	$16.81
20% Down up to 60 months
Used Auto 2009/2008 20% Down up to 60 months	$35.00	5.990%	5.990%	$19.33