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Rates Effective July 2, 2009

 

Adjustable Rate Mortgages
Rates Subject To Change. All ARM Products have a floor rate of 4%.

Loan Type Maximum Term Interest Rate Annual % Rate Points P & I Per $1,000
1 Year ARM 2/6 CAPS
360 4.500% 3.379% 0 $5.07
3/1 Year ARM 2/2/6 CAPS
360 4.500% 3.562% 0 $5.07
5/1 Year ARM 2/2/5 CAPS
360 5.125% 3.958% 0 $5.44
7/1 Year ARM 5/2/5 CAPS
360 5.375% 4.309% 0 $5.60
10/1 Year ARM 5/2/5 CAPS
360 5.625% 4.801% 0 $5.76
Construction Loans
9 Months 6.500% 11.497% 1 n/a
One-Step
  Call Call    
Home Equity Line of Credit 80% LTV
 120 Months 4.000% 4.000% 0 n/a
One-Step Construction Loans - Available on some Adjustable Rate Mortgages. Inquire for details.

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Fixed Rate Mortgages
Today's Estimated Rates Subject To Change, Live Rate Quotes Available 9am - 4pm 10yr. Fixed LSB Special requires LSB Checking Account Relationship

Loan Type Maximum Term Interest Rate Annual % Rate Points P & I Per $1,000
10 Year Fixed LSB Special
 120 Months 4.500% 4.585% 0 $10.36
15 Year Fixed
180 Months 4.375% 4.777% 2 $7.59
15 Year Fixed
180 Months 4.625% 4.875% 1 $7.71
15 Year Fixed
180 Months 4.875% 4.973% 0 $7.84
20 Year Fixed
240 Months 5.000% 5.322% 2 $6.60
20 Year Fixed
240 Months 5.250% 5.451% 1 $6.74
20 Year Fixed
240 Months 5.500% 5.579% 0 $6.88
30 Year Fixed
360 Months 5.000% 5.237% 2 $5.37
30 Year Fixed
360 Months 5.250% 5.272% 1 $5.45
30 Year Fixed
360 Months 5.500% 5.559% 0 $5.68
NH Housing
 360 Months 5.625% 6.317% 1 $5.76
NH Housing
 360 Months 5.875% 6.474% 0 $5.92
NH Housing Cash Assistance Program
360 Months 6.500% 7.114% 0 + Grant $6.32
VT Housing
 360 Months 5.625% 5.676% 0 $5.76
Home Improver - Fixed 80% LTV
120 Months 8.500% 8.616% $250 $12.40
Land up to 70% LTV
 120 Months 10.000% 10.120% $250 $13.22
Home Equity Loan 80% LTV
 120 Months 6.990% 6.990% $0 $11.61
Energy Efficient Home Loan 80% LTV
120 Months 5.990% 5.990% $0 $11.10
All 15, 20 & 30 year fixed rate products reflect a quarter point Market Condition Fee in the APR.

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