Disclosures

*Monthly payment per each $1,000 borrowed.

**Loan products listed are available to qualified applicants who meet the Bank's current loan underwriting guidelines.

^APR=Annual Percentage Rate. APR is subject to change at anytime.

Closing costs are not included in the Annual Percentage Rate (APR). The total points and additional prepaid finance charges are included in the APR.

Rates are subject to change without notice, and loan pricing may be locked only through a home mortgage consultant to be effective. Additional rates and terms may be available. This website may only reflect our no point options. Lower rates are available with the payment of points.

† ARM=Adjustable Rate Mortgage. Adjustable rate programs are indexed from the constant maturity yield curve of the one year Treasury Bill published by the Federal Reserve Bank in Federal Statistical Release H.15 (519). The rate changes each Friday and is available the following Tuesday. The margin on ARMS up to $359,650 is 3.000%. The interest rate and APR may increase after consummation of your loan. The maximum interest rate increase is 2% for any single adjustment, and 6% for the life of the loan.

‡ Please call for specific program and rate information. Points on Maine State Housing Authority loans are paid by the seller.

The Weekly Average Yield on US Treasury Securities, adjusted to a constant maturity of One Year as of 7/01/2008 is 2.46%