Mortgage Loan Rates
Effective as of 7/30/10
(All rates subject to change without notice; restrictions may apply;
lending area limited to MA, RI, and northern CT)

Life of loan servicing by Milford Federal.
Lower fixed rate programs may be available. Call for details!

New Option for Home Buyers Enjoy the security of a 30 year fixed rate with a 1% to 2% lower than market interest rate for the first 3 years. Call our Mortgage Specialists today

Rates are low - it's a good time to purchase or refinance. apply online $150 Closing cost credit on purchases only. Cannot be combined with any other offer.

APR based on $100,000 @ 80% LTV and basic fees applicable to all mortgage loans.
Other fees affecting APR may apply. Payment per $1,000 does not include taxes or insurance. NPNC= No Points, No Closing Costs. 100K minimum loan amount.

Adjustable Rate Mortgage Loans
Rate may increase after origination

Adjustable Rate Mortgages	Points	Interest Rate	Annual Percentage Rate (@80% LTV)	Payment Per $1,000 at initial rate based on 30 year term
10/1 ARM	0 points	4.25%	3.81%	$4.92
7/1 ARM Program	2 points	3.875%	3.74%	$4.71
	1 point	4.00%	3.72%	$4.78
	0 points	4.125%	3.69%	$4.85
7/1 ARM Jumbo	2 points	5.00%	4.37%	$5.37
	1 point	5.125%	4.34%	$5.45
	0 points	5.25%	4.31%	$5.53
5/1 ARM*	2 points	3.125%	3.32%	$4.29
	1 point	3.25%	3.28%	$4.36
	0 points	3.375%	3.24%	$4.43
5/1 ARM Affordable Mortgage	0 point	3.25%	3.20%	$4.36
3/1 ARM *	2 points	3.00%	3.29%	$4.22
	1 point	3.125%	3.24%	$4.29
	0 points	3.25%	3.18%	$4.36
One Year ARM*	1 point	2.375%	3.18%	$3.89
	0 points	2.50%	3.11%	$3.96
Owner Occupied One Year ARM Constr.	1 point	5.125%	3.29%	$5.45
	0 points	5.25%	3.23%	$5.53
5/1 ARM Investment	0 points	5.375%	4.65%	$5.60
30 Year Fixed Investment
<75% L-T-V	0 points	5.00%	5.00%	$5.37
>75% <80% L-T-V	0 points	5.25%	5.25%	$5.53