Rates as of October 24, 2025. All rates subject to change without notice.
First-Time Homebuyer Program1
| Term |
Rate |
APR |
Points |
Monthly P&I per $1,0002 |
| 40 Year |
6.125% |
6.166% |
0 |
$5.59 |
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 10/24/2025. 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 |
6.250% |
6.299% |
0 |
$6.16 |
| 20 Year |
5.875%
|
6.939% |
0 |
$7.09 |
| 15 Year |
5.625% |
5.705% |
0 |
$8.23 |
| 10 Year |
5.375% |
5.488% |
0 |
$10.78 |
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)
View Disclosure Statements
Home Equity Flex Line of Credit (Interest Only)
6.75 APR1
WSJ Prime Rate minus .50% for the life of the line
1 Pentucket Bank’s Home Equity Line of Credit Annual Percentage Rate (APR) is 6.75%. The APR is a variable rate based on the Prime Rate as published in the money section of the Wall Street Journal (WSJ), minus .50%. Prime Rate is as of 10/24/2025. 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. An early termination fee of $500.00 may apply if the loan is closed and paid off within the first 36 months. A returned check fee of $30 may be applied if payment from an outside check does not clear. 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%. All loans are subject to the Bank’s credit standards. Rates may be subject to change. Program may be terminated at any time.
Flex fixed-rate conversion loan option (below)
- Fix a portion or all of your credit line during the draw period of your home equity line of credit
- No application fee
- Fixed flex rates2 as of 10/17/25
| Term |
Rate |
APR |
Monthly P&I per $1,0002 |
| 5 Year |
7.000% |
7.000% |
$19.79 |
| 10 Year |
7.250% |
7.250% |
$11.73 |
| 15 Year |
7.500% |
7.500% |
$9.27 |
2 A maximum of three fixed portions is available simultaneously. Minimum loan amount of $5,000. All loans are subject to the Pentucket Bank’s credit standards. Rates, terms, and conditions are subject to change or discontinuation at any time.
