First Time* Home Buyers Program
• .125%
rate discount
• $200 cash
credit on
new credit
card issued
at closing
• $300 towards
closing costs

Various terms available

Current Rates

Available to reduce rate

Up to
90
day rate
lock-in
available

$150
application fee

$250 appraisal
fee (standard)

Option to lock-in rate available

NONE

First Mortgages
Fixed Rates

Various terms available

Current Rates

Available to reduce rate

55 day rate lock-in
available

$150
application fee
$250 appraisal
fee (standard)
Option to lock-in rate available

NONE

First Mortgages
Adjustable Rates

Various terms available

Current Rates

0

55 day rate lock-in
available

$150
application fee
$250 appraisal
fee (standard)
Option to lock-in rate available

NONE

No Closing Cost Program**

Various terms available

Current Rates

0

55 day rate lock-in
available

$150
application fee
$250 appraisal
fee (standard)
Option to lock-in rate available

NONE

* To qualify as a First Time Homebuyer, you must not have previously owned
residential property.

Pre-approvals are FREE for First Time Homebuyers and are valid for 60 days. Rate discount not available on 40 year or No Point, No Closing Cost Adjustable Rate Mortgage. Completed credit card application required at time of application. Restrictions may apply.

** Minimum loan amount is $100,000. Certain extraneous costs are not covered under
this program.

Special mortgage programs are available for members meeting Low to Moderate
Income Guidelines.

Mortgages up to $1 million are available.

Mortgages under $50,000 are available at a 15 year term and fixed rate only.

Mortgages over 80% loan-to-value (LTV) require Private Mortgage Insurance (PMI).

Please call (617) 495-4460 for details.