• About Us
  • Resources
  • Disclosures
  • Privacy Policy
Rates & Fees

Real Estate Lending Rates

Mortgage Rates

First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
St. Jean's CU First Time Homebuyers03.625%3.744%$4.56
30 Year Fixed
Requirement: 5% Down Payment
Rate Subject to receiving FTHB Cert.
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
30 Year Fixed
30 Year Fixed13.500%3.701%$4.49
30 Year Fixed03.625%3.744%$4.56
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
20 Year Fixed
20 Year Fixed13.250%3.529%$5.67
20 Year Fixed03.375%3.540%$5.74
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
15 Year Fixed
15 Year Fixed13.000%3.358%$6.91
15 Year Fixed03.125%3.336%$6.97
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
5/1 ARM - 30 Year03.125%4.214%$4.28
7/1 ARM - 30 Year03.375%4.179%$4.42
10/1 ARM - 30 Year03.625%4.176%$4.56

Equity Rates

Heloc - Product DescriptionPointsInterest RateAPRMo Pmt. per $1,000
Home Equity Line-Of-Credit04.250%N/A$3.54
Prime Minus 0.500% for Life
(Current Prime 4.750% As of 10/31/2019)
Maximum 80% LTV
Minimum Loan Amount $15,000
Max Loan Amount $500,000
Minimum APR (floor) 4.000%
Maximum APR (ceiling) 18.00%
10 Yr Draw, 10 Yr Fixed Repayment Period
Annual Percentage Rate (APR) is variable and is subject to change without notice
New Loans Only, unless existing St. Jean's Credit
Union Line increases by $15,000.00 or more.
Heloc - Product DescriptionPointsInterest RateAPRMo Pmt. per $1,000
Home Equity Line-of-Credit - Non Owner-Occupied07.750%N/A$6.46
Prime Plus 3.00% for Life
(Current Prime 4.750% As of: 10/31/2019)
Maximum 80% LTV/TLTV, Closing Costs Apply
Minimum Loan Amount $50,000
Maximum Loan Amount $500,000
Minimum APR (Floor) 7.500%
Maximum APR (Ceiling) 18.00%
5 Yr Draw, 15 Yr Fixed Repayment Period
Annual Percentage Rate (APR) is variable and is subject to change without notice
New Loans Only, unless existing St. Jean's Credit Union line
increases by $15,000.00 or more.
Fixed Equity/Second Mtg - Product DescriptionPointsInterest RateAPRMo Pmt. per $1,000
Fixed Rate Home Equity 2nd MTG-Primary Residence05.750%N/A$6.29
Maximum 80% LTV
Term 25 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence05.500%N/A$6.88
Maximum 80% LTV
Term 20 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence04.750%N/A$7.78
Maximum 80% LTV
Term 15 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence04.500%N/A$10.36
Maximum 80% LTV
Term 10 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence03.750%N/A$18.30
Maximum 80% LTV
Term 5 Years
Maximum Loan Amount $500,000
*For Jumbo Mortgage inquiries please call 978.219.1000, ext 130, 132, 122.  Annual Percentage Rate (APR) is based on a $100,000 Loan Amount and a 20% Down Payment. Adjustable Rate Mortgages are subject to increases upon consummation. First Mortgage Rates listed are for Purchase and No Cash-Out Refinance transactions only. Property Insurance required on all Mortgage, Home Improvement and Home Equity Loans. Payments shown do not include taxes or insurance. Your payment may be greater. Rates are subject to change without notice.

Back to Top