In 1904, Audubon Savings Bank opened its doors to serve the community of Audubon, New Jersey. Since that time, Audubon Savings Bank’s has been providing competitive financial products and services while maintaining a traditional community bank focus. The bank’s main office is in Audubon and they also operate two branch offices in Mt. Laurel and Pine Hill.
Audubon Savings Bank offer a variety of deposit and lending products for consumers including checking accounts, savings accounts, money market accounts, certificates of deposit and a variety of home loans.
The 30 year term fixed rate mortgage has a rate of 5.250%, no points and a 5.34% APR. With the assistance of the mortgage calculator, the monthly mortgage payment for a home loan of $150,000 with these terms would be $828.30.
The 20 year term fixed rate mortgage has a rate of 5.125%, no points and a 5.24% APR. The mortgage payment calculator results for these terms on a $150,000 home loan yields a monthly mortgage payment of $1,000.35.
The bank 15 year term fixed rate mortgage has a rate of 5.000%, no points and a 5.15% APR. The monthly mortgage payment on a $150,000 loan would this rate and term would be $1,186.20 based on the findings of the mortgage calculator.
Annual percentage rate on home loans are subject to credit approval. Mortgage loan APR on first mortgages is based on $150,000 loan amount, 30 days pre-paid interest, applicable points, $475 application fee, $325 settlement fee and no PMI. Mortgage rates are for loan amounts up to $417,000. Rates, APRs, terms and conditions are subject to change without notice. Additional rates and terms available for all loan products, LTV’s over 80% currently not available by Audubon Savings Bank.
For current mortgage rate information contact a bank representative at
Audubon Main Office: 856-547-8100
Mt. Laurel - Branch: 856-642-7880
Pine Hill - Branch: 856-782-0500
The Audubon Savings Bank website posts current mortgage rates as well as additional bank product information; the bank web address is www.audubonsavings.com.
For bank rates and CD rates visit www.selectCDrates.com.
Kopernik Federal Bank is a bank with one location serving the residents of Maryland. The bank has been in business since 1924 and is based in Baltimore. Kopernik Federal Bank offers several deposit and savings products as well as consumer loan products. Kopernik Federal Bank is an equal housing lender and FDIC insured.
Whether buying a home or doing a mortgage refinance, Kopernik Federal Bank has competitive rates on fixed rates mortgages. The bank does not sell the home loans. Mortgage loan products, rates and other information are based on an owner occupied property located in the state of Maryland
Kopernik Federal Bank current fixed rate mortgage rates:
The 15 year or less fixed rate mortgage has a rate of 5.250% with no point and a 5.296% APR. Using the mortgage payment calculator with this mortgage rate on a $250,000 home loan, the monthly mortgage payment would be $2,010.00.
A 20 year or less fixed rate mortgage rate has a rate of 5.375% with no points and an APR of 5.412%. Using the mortgage calculator with this term and mortgage rate on a $250,000 home loans leads to a monthly payment of $1,700.00.
And the 30 year fixed rate mortgage rate is 5.500% with no points and a 5.527% APR. The mortgage calculator results for these terms on a $250,000 hoe loan yields a monthly mortgage payment of $1,420.00.
These terms are based on mortgage loan with a loan value (LTV) of 80%. The annual percentage Rate (APR) is based on a loan amount of $250,000, owner occupied. Additional conditions may apply. For up to date mortgage rates and mortgage loan information, a bank representative can be reached at 410-276-4905. The bank website also posts current mortgage rates as well as other bank product data; the bank website is located at www.kopernikbank.com.
For current bank rates and CD rates visit www.selectCDrates.com.
For current car loan rates visit www.selectautorates.com.
Magyar Bank is a community bank headquartered in New Brunswick, New Jersey. Magyar Bank has been in business in Central New Jersey since 1922. The bank offers a complete line of financial products and services. The bank operates five bank branch locations in New Brunswick, North Brunswick, South Brunswick, and Branchburg.
With mortgage rates at historically low levels, the mortgage rates offered by Magyar Bank should be considered for buying a new home, or refinance an existing mortgage with a fixed rate mortgage from. The bank offers fixed-rate mortgages, adjustable-rate mortgages, bi-weekly mortgages, reverse mortgages, first-time homebuyer, affordable housing programs, interest only loans and construction permanent loans.
Residential mortgage loans are originated in amounts up to 80% of the lesser of the appraised value or purchase price of the property, with private mortgage insurance required on loans with a loan-to-value ratio in excess of 80%.
The Bank offers adjustable-rate residential mortgage loans with interest rates based on the weekly average yield on United States Treasuries adjusted to a constant maturity of one year, which adjusts either annually from the outset of the loan, or which adjusts annually after a one, three, five, seven, and ten-year initial fixed-rate period. The bank’s adjustable-rate mortgage loans provide for maximum rate adjustments of 2% per adjustment, with a lifetime maximum adjustment up to 5%, regardless of the initial rate. The bank also offers adjustable-rate mortgage loans with an interest rate based on the prime rate as published in The Wall Street Journal or the Federal Home Loan Bank of New York advance rates.
The bank also originates construction loans for the development of one-to four-family homes, townhomes, condominiums, apartment buildings and commercial properties. Construction loans are offered to experienced local developers operating in its market area and to individuals for the construction of their personal residences.
Fixed rate mortgage rates currently offered by the bank include:
10 year fixed rate mortgage has a rate of 4.750% with no points and an APR of 4.873%. The mortgage payment calculator results for this rate and term would be $1,572.00 for a $150,000 home loan.
15 year fixed rate mortgage has a rate of 4.500% with no points and an APR of 4.703%. The mortgage payment calculator results for this rate and term would be $1,147.50 for a $150,000 home loan.
20 year fixed rate mortgage has a rate of 4.875% with no points and an APR of 5.038%. The mortgage payment calculator results for this rate and term would be $979.50 for a $150,000 home loan.
30 year fixed rate mortgage has a rate of 4.875% with no points and an APR of 4.995%. The mortgage payment calculator results for this rate and term would be $793.50 for a $150,000 home loan.
40 year fixed rate mortgage has a rate of 6.375% with no points and an APR of 6.492%. The mortgage payment calculator results for this rate and term would be $865.50 for a $150,000 home loan ( ouch )
Adjustable rate mortgage rates currently offered by the bank include:
The 3/1 year ARM has a rate of 4.875% with no points and an APR of 4.837%.
The adjustable rate mortgage calculator results for this loan would be $793.50 for a $150,000 home loan.
5/1 year ARM has a rate of 5.000% with no points and an APR of 4.964%.
The adjustable rate mortgage calculator results for this loan would be $805.50 for a $150,000 home loan.
5/1 year ARM (40) has a rate of 5.250% with no points and an APR of 5.009%
The adjustable rate mortgage calculator results for this loan would be $748.50 for a $150,000 home loan.
7/1 year ARM has a rate of 5.375% with no points and an APR of 5.117%
The adjustable rate mortgage calculator results for this loan would be $840.00 for a $150,000 home loan.
10/1 year ARM has a rate of 5.875% with no points and an APR of 5.540%
The adjustable rate mortgage calculator results for this loan would be $888.00 for a $150,000 home loan.
All mortgage loans subject to credit approval and additional conditions will apply. Mortgage rates subject to change. For more information on mortgage rates and home loan products, call the bank at 888-990-2265. The bank website provides current mortgage rates and additional loan information. The bank website is located at www.magbank.com.
Avidia Bank was created by a merger between Hudson Savings Bank and Westborough Bank. Avidia Bank opened for business on October 22, 2007. Avidia Bank has nine offices located in seven towns in central Massachusetts: Hudson, Westborough, Clinton, Leominster, Marlborough, Northborough and Shrewsbury.
Avidia Bank offers a wide variety of fixed and variable rate mortgages for home buyers and those looking to refinance. The bank also provides mortgages for multi-family buildings (2- to 4-family), and construction loans, too (including a construction loan that’s convertible to a regular mortgage after the home is completed).
Avidia Bank charges low fees and provides competitive mortgage rates. Use the mortgage calculators to compare their current rates and terms.
30 year fixed rate mortgage rate is 4.875% with one point and a 5.000% APR.
The mortgage payment calculator results for this rate and term indicates a monthly payment of $529.00 for a $100,000 home loan.
A no point 30 year fixed rate mortgage rate is 5.000% with an APR of 5.037%.
The mortgage payment calculator results for this no point 30 year mortgage shows a monthly payment of $537.00 for a $100,000 home loan.
The 15 year fixed rate mortgage rate is 4.250% with one point and an APR of 4.463%. The mortgage calculator results on a $100,000 home loan with this rate and term would be $752.00.
A no point 15 year fixed rate mortgage rate is 4.500% with an APR of 4.563%.
The mortgage calculator results on the same $100,000 loan amount rises slightly to $765.00 with this mortgage rate.
A 3/3 adjustable rate mortgage has a rate of 5.000% with no points and an APR of 5.130% APR. This ARM has 2% and 4% caps. The adjustable rate mortgage payment calculator results for a $100,000 loan with these terms would have payments of $537.00 per month for the first 3 years.
APR based on $100,000 loan with a 20% down payment, owner-occupied single family residence. Mortgage interest rates and APRs shown are available to borrowers with an excellent credit history. The actual mortgage interest rate and APR available to a home loan applicant will be based on their credit history and loan to value ratio and may be different than the rates displayed here. Also, the maximum loan to value ratio could be affected if the property is located in a declining market area. Additional conditions may apply.
For current mortgage rates and additional home loan information contact an Avidia Bank representative at 800-508-2265 or 978-562-2222. The bank website also posts timely mortgage rate information at www.avidiabank.com.
Established in 1888, the Bank of Fall River is an independent bank with four full-service offices, in Fall River, Fairhaven, and North Dighton/Taunton. The bank has several home loan programs available that are competitively priced. The bank has a full range of mortgage options for first-time buyer, existing homeowners moving up to a larger home, or a mortgage loan for investing in a retirement home.
Current fixed rate mortgage offers include the following 30 year fixed rate and 15 year fixed rate mortgages:
30 year fixed rate mortgage rate is 5.750% with 0 points and an APR of 5.769%
15 year fixed rate mortgage rate is 4.875% with 0 points and an APR of 4.906%
Repayment examples using the posted mortgage rates and the mortgage payment calculator:
30 year fixed, 20% down, 0 points has 360 payments of $5.84 per $1,000 borrowed.
15 year fixed, 20% down, 0 points has 180 payments of $7.84 per $1,000 borrowed.
Other fixed rate mortgage options are available. The bank offers numerous adjustable rate mortgages including a 30-year term, one-year adjustable rate mortgage.
The 1-year ARM has a rate of 3.500% and an APR of 3.528%.
Using the adjustable rate mortgage calculator, the 30 Year 1 Yr. ARM with 20% down and 0 points has 12 payments of $4.99 per $1,000 borrowed and 348 payments of $4.71 per $1,000 borrowed.
The bank also offers a no closing costs, no application fee, no appraisal fee home loan.
The 30 years no closing cost loan rate is 7.375% and an APR of 7.396%
The mortgage calculator payment results on the 30 year fixed, 20% down, 0 points no closing cost loans comes to 360 Payments of $6.91 per $1,000 borrowed.
All mortgage loans are required to have an escrow account for property taxes. A waiver of this requirement can be granted, at the bank’s discretion and subject to a higher mortgage interest rate.
Other mortgage rates with points are also available. All mortgage rates and terms are subject to change without notice. Additional conditions to obtain these home loans will apply. Contact the bank directly to speak with a mortgage originator at 508-678-7655. The bank website posts current mortgage rates and additional information regarding their loan programs. The bank’s web address is www.bankoffallriver.com.
For car loan rates visit www.selectautorates.com. For CD rates and bank rates visit www.selectCDrates.com.