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Online Banking

Phone: 978-283-0246
  888-283-2272

First Time Home Buyers Program

 

Our primary market is Cape Ann, Massachusetts

We employ a staff of mortgage specialists who are on hand to answer your questions, and they can work with you to find a mortgage or loan option that leaves you feeling confident and satisfied.

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Mortgage payments per $1,000.00 do not include taxes and insurance. The actual payment obligation will be greater.

Mortgage First Time Home Buyers Program
TypeTermInterest RatePointsAnnual Percentage
Rate (APR)
Monthly Payment per $1,000
7/1 ARM 30 Years 3.625% 0 3.95%* 84@ $4.56 276@ $4.85
10/1 ARM 30 Years 3.750% 0 3.94%* 120@ $4.63 240@ $4.84
*Annual Percentage Rate based on 5% down payment with private mortgage insurance.

Available to first time homebuyers (affidavit required) for the purchase of 1 - 4 family, owner occupied residences.
Minimum down payment 5% (own funds); Primary Mortgage Insurance may be required on loan to value ratios in excess of 80%.
Qualifying income ratios: 33% and 38%.
1% Cap per adjustment, 5% Lifetime Cap

Mortgage Calculator

 

Rates are applicable as of 8/23/2017.

Notice to All Online Banking Customers

Our customers' security is of the upmost importance to us.


In order to enhance security, we will be discontinuing service to unsupported web browsers with outdated security settings. The banking application will include a security update which will require that our customers are using a secure browser that enables Transport Layer Security (TLS version 1.2).


To ensure we can continue to serve you securely in the future, please check your browser to be sure it complies with one of the compatible browsers listed in the table to the right.

 

Browser / Operating System Compatibility

 microsoft edge

Microsoft Edge  Compatible
 microsoft internet explorer Microsoft IE Desktop and mobile version 11  Compatible
 microsoft internet explorer Microsoft IE Desktop versions 9 and 10 *  Not Compatible
 mozilla firefox Mozilla Firefox 27 and higher  Compatible
 google chrome Google Chrome 38 or higher  Compatible
 apple safari Mobile Safari versions 5 and higher  Compatible
 microsoft windows 7 Microsoft Windows 7,8.0,8.1,10  Compatible
microsoft windows 8 Microsoft Windows 8, 8.1 Compatible
microsoft windows 10 Microsoft Windows 10 Compatible
 microsoft windows xp Microsoft XP/Vista and below  Not Compatible

 *can be enabled on windows 7 or newer

If you have any questions about these changes, please contact our customer service department at 978-283-0246 and we will be happy to assist you.