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Mortgage Loan Rates - Flex Edit

Rates as of October 1, 2025. All rates subject to change without notice.
 

First-Time Homebuyer Program1


Term Rate APR Points Monthly P&I per $1,0002
40 Year 6.250% 6.292% 0 $5.68
1 For qualified first-time homebuyers only, subject to credit approval. In order to obtain the stated rate and qualify for this loan program, you must have a credit score of at least 700. Receive up to $500 credit toward closing costs, applied at closing. Qualified buyers must provide a certificate of completion for an approved homebuyer education and counseling course to receive the $500 credit. Interest Rate, APR and discount point shown are subject to change without notice and based on $350,000.00. Rates are based on single family and condominium, owner-occupied dwellings. Private Mortgage Insurance (PMI) is required on all loans and with a loan-to-value ratio greater than 80%. There is a maximum loan amount of $766,550 as of 10/1/2025. Estimated payments do not include amounts for property taxes, property insurance and/or flood insurance; if applicable, the actual payment obligation will be higher. An escrow account may be required.
 
2 Payment does not include insurance or taxes and actual payment may be greater.
Fixed Rate Mortgage Rates1

Term Rate APR Points Monthly P&I per $1,0002
30 Year 6.375% 6.424% 0 $6.24
20 Year 6.125%
 6.189% 0 $7.23
15 Year 5.750% 5.830% 0 $8.30
10 Year 5.500% 5.613% 0 $10.85
1 Rates are based on an owner occupied single family property (excluding manufactured homes) and are subject to change without notice. Rates posted are for loans that meet Secondary Market guidelines. In order to obtain the stated rate, you must have a credit score of at least 700. The program minimum credit score to qualify is 660. The monthly P & I per $1,000 are based on the rate and term indicated assuming a down payment of 20%. Please note that Private Mortgage Insurance (PMI) is required on all loans with LTV's greater than 80%. If an escrow account is required or requested, the actual monthly payment will also include amounts of real estate taxes and/or PMI, if applicable. Property insurance required. Flood Insurance may be required. The APR is based on a loan of $350,000; please call for a personalized quote. Loan limits may be higher by property location.

2 Payment does not include insurance or taxes and actual payment may be greater.

Adjustable Rate Mortgage Loans (ARMs)
Home Equity Flex Loan
  
  • No closing costs or application fee; fix a portion or all of your credit line
  • Fixed Flex Rates
Term Rate APR Monthly P&I per $1,0002
15 Year 7.500% 7.500% $9.27
10 Year 7.250% 7.250% $11.73
5 Year 7.000% 7.000% $19.79
The Annual Percentage Rate (APR) is variable and based on the Prime Rate (Prime) published in The Wall Street Journal, minus 0.50% APR. The APR is adjusted after each billing cycle. The advertised rate is available for lines of credit between $25,000 and $500,000, with a minimum credit score of 680 and a maximum combined loan-to-value ratio of 80% on a 1-4 Family Owner-Occupied primary residence only (excluding manufactured homes). Home equity lines of credit outside of these parameters may be available. Subject property must be located in Massachusetts or New Hampshire. Property insurance is required; flood insurance may be required. An annual fee of $50.00 will be assessed in January of each year that the loan is active. An early termination fee of $500.00 may apply if the loan is closed and paid off within the first 36 months. You may be required to pay certain fees to third parties, such as appraisers, attorneys, credit reporting firms, and government agencies, depending on your loan criteria. An itemized list of fees is available upon request. Consult a tax advisor regarding the deductibility of interest. The APR will never be less than 4% or more than 18%. Fixed conversion loan options can be locked for terms of 5, 10, or 15 years. A maximum of three fixed portions is available simultaneously. All loans are subject to the Pentucket Bank’s credit standards. Rates, terms, and conditions are subject to change or discontinuation at any time.
Fixed Rate Home Equity Loans1
Term Rate APR Points Monthly P&I per $1,0002
20 Year 7.000% 7.079% 0 $7.75
15 Year 6.625% 6.722% 0 $8.78
10 Year 6.375% 6.511% 0 $11.29
5 Year 6.375% 6.629% 0 $19.49
1 1-4 family, owner-occupied property only, property insurance required; flood insurance may be required. Loan must be in a valid second mortgage position behind a bank or other financial institution. You may pay certain fees to third parties. Consult your Tax Advisor about deductibility of interest. All loans are subject to the Bank's credit standards. In order to obtain the stated rate and qualify for this program you must have a minimum credit score of 680. Combined Loan to value not to exceed 80%.
 
2 Payment does not include insurance or taxes and actual payment may be greater.